Call reports 2014
PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY — 2014
What PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 383,455,000 | 382,903,000 | 380,782,000 | 381,928,000 |
| Total loans | 238,431,000 | 230,722,000 | 224,980,000 | 224,253,000 |
| Allowance for loan losses | 5,104,000 | 4,786,000 | 5,111,000 | 4,853,000 |
| Securities available for sale | 105,653,000 | 115,466,000 | 122,009,000 | 122,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,075,000 | 296,378,000 | 293,528,000 | 289,640,000 |
| Interest-bearing deposits | 240,525,000 | 237,411,000 | 234,186,000 | 232,476,000 |
| Noninterest-bearing deposits | 56,550,000 | 58,967,000 | 59,342,000 | 57,164,000 |
| Equity capital | 48,152,000 | 48,699,000 | 49,013,000 | 49,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,641,000 | 7,244,000 | 10,782,000 | 14,310,000 |
| Interest expense | 285,000 | 558,000 | 814,000 | 1,058,000 |
| Net interest income | 3,356,000 | 6,686,000 | 9,968,000 | 13,252,000 |
| Noninterest income | 626,000 | 1,242,000 | 1,849,000 | 2,452,000 |
| Noninterest expense | 3,103,000 | 6,284,000 | 9,390,000 | 12,251,000 |
| Provision for loan losses | 875,000 | 1,475,000 | 2,075,000 | 2,675,000 |
| Pretax income | 22,000 | 187,000 | 370,000 | 818,000 |
| Income tax | -76,000 | -105,000 | -132,000 | -68,000 |
| Net income | 98,000 | 292,000 | 502,000 | 886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,762,000 | 36,587,000 | 36,630,000 | 37,114,000 |
| Total capital | 40,557,000 | 39,299,000 | 39,298,000 | 39,746,000 |
| Risk-weighted assets | 222,129,000 | 217,303,000 | 213,702,000 | 211,043,000 |