Call reports 2004
PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY — 2004
What PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 80,421,000 | 80,591,000 | 83,369,000 | 84,868,000 |
| Total loans | 63,117,000 | 63,489,000 | 65,581,000 | 66,509,000 |
| Allowance for loan losses | 1,491,000 | 1,496,000 | 1,513,000 | 1,493,000 |
| Securities available for sale | 9,813,000 | 9,407,000 | 10,001,000 | 9,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,270,000 | 68,264,000 | 70,972,000 | 72,163,000 |
| Interest-bearing deposits | 62,331,000 | 62,325,000 | 62,918,000 | 65,863,000 |
| Noninterest-bearing deposits | 5,939,000 | 5,939,000 | 8,054,000 | 6,300,000 |
| Equity capital | 9,670,000 | 9,855,000 | 9,864,000 | 10,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,395,000 | 2,809,000 | 4,252,000 | 5,815,000 |
| Interest expense | 321,000 | 641,000 | 969,000 | 1,338,000 |
| Net interest income | 1,074,000 | 2,168,000 | 3,283,000 | 4,477,000 |
| Noninterest income | 134,000 | 281,000 | 423,000 | 567,000 |
| Noninterest expense | 570,000 | 1,144,000 | 1,717,000 | 2,362,000 |
| Provision for loan losses | 90,000 | 175,000 | 341,000 | 449,000 |
| Pretax income | 549,000 | 1,137,000 | 1,655,000 | 2,241,000 |
| Income tax | 153,000 | 315,000 | 478,000 | 656,000 |
| Net income | 396,000 | 822,000 | 1,177,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,430,000 | 9,684,000 | 9,575,000 | 9,998,000 |
| Total capital | 10,250,000 | 10,505,000 | 10,432,000 | 10,865,000 |
| Risk-weighted assets | 64,895,000 | 65,226,000 | 67,789,000 | 68,727,000 |