Call reports 2003
PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY — 2003
What PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 77,088,000 | 77,658,000 | 78,491,000 | 78,465,000 |
| Total loans | 57,037,000 | 58,970,000 | 60,456,000 | 61,245,000 |
| Allowance for loan losses | 1,483,000 | 1,471,000 | 1,489,000 | 1,473,000 |
| Securities available for sale | 10,915,000 | 11,353,000 | 10,400,000 | 9,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,685,000 | 65,782,000 | 66,715,000 | 66,411,000 |
| Interest-bearing deposits | 60,115,000 | 60,328,000 | 60,647,000 | 60,348,000 |
| Noninterest-bearing deposits | 5,570,000 | 5,454,000 | 6,068,000 | 6,063,000 |
| Equity capital | 8,914,000 | 9,341,000 | 9,197,000 | 9,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,352,000 | 2,730,000 | 4,119,000 | 5,511,000 |
| Interest expense | 419,000 | 808,000 | 1,177,000 | 1,513,000 |
| Net interest income | 933,000 | 1,922,000 | 2,942,000 | 3,998,000 |
| Noninterest income | 131,000 | 255,000 | 405,000 | 556,000 |
| Noninterest expense | 519,000 | 1,055,000 | 1,609,000 | 2,192,000 |
| Provision for loan losses | 108,000 | 179,000 | 268,000 | 375,000 |
| Pretax income | 448,000 | 960,000 | 1,498,000 | 2,022,000 |
| Income tax | 115,000 | 254,000 | 404,000 | 583,000 |
| Net income | 333,000 | 706,000 | 1,094,000 | 1,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,467,000 | 8,939,000 | 8,912,000 | 9,267,000 |
| Total capital | 9,228,000 | 9,716,000 | 9,707,000 | 10,070,000 |
| Risk-weighted assets | 60,171,000 | 61,430,000 | 62,941,000 | 63,593,000 |