Call reports 2015
PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY — 2015
What PEOPLES BANK & TRUST COMPANY OF MADISON COUNTY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 393,112,000 | 395,269,000 | 390,234,000 | 395,463,000 |
| Total loans | 221,363,000 | 224,348,000 | 227,631,000 | 227,044,000 |
| Allowance for loan losses | 4,522,000 | 4,417,000 | 4,390,000 | 4,309,000 |
| Securities available for sale | 127,397,000 | 136,911,000 | 130,941,000 | 126,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,101,000 | 299,310,000 | 295,025,000 | 302,163,000 |
| Interest-bearing deposits | 235,032,000 | 235,681,000 | 232,409,000 | 234,989,000 |
| Noninterest-bearing deposits | 64,069,000 | 63,629,000 | 62,617,000 | 67,175,000 |
| Equity capital | 50,565,000 | 50,137,000 | 51,134,000 | 51,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,467,000 | 6,923,000 | 10,462,000 | 13,891,000 |
| Interest expense | 237,000 | 471,000 | 702,000 | 926,000 |
| Net interest income | 3,230,000 | 6,452,000 | 9,760,000 | 12,965,000 |
| Noninterest income | 593,000 | 1,221,000 | 1,881,000 | 2,508,000 |
| Noninterest expense | 3,090,000 | 6,207,000 | 9,256,000 | 12,248,000 |
| Provision for loan losses | 0 | 150,000 | 250,000 | 400,000 |
| Pretax income | 733,000 | 1,316,000 | 2,166,000 | 2,856,000 |
| Income tax | 160,000 | 264,000 | 459,000 | 669,000 |
| Net income | 573,000 | 1,052,000 | 1,707,000 | 2,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,790,000 | 41,157,000 | 41,849,000 | 42,272,000 |
| Total capital | 43,631,000 | 44,039,000 | 44,735,000 | 45,154,000 |
| Risk-weighted assets | 225,334,000 | 228,474,000 | 228,801,000 | 228,482,000 |