Call reports 2005
PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY — 2005
What PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 86,671,000 | 89,808,000 | 93,509,000 | 95,117,000 |
| Total loans | 68,036,000 | 72,447,000 | 76,043,000 | 78,876,000 |
| Allowance for loan losses | 1,490,000 | 1,491,000 | 1,601,000 | 1,618,000 |
| Securities available for sale | 10,105,000 | 10,525,000 | 10,589,000 | 10,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,857,000 | 76,422,000 | 80,001,000 | 81,190,000 |
| Interest-bearing deposits | 67,090,000 | 69,769,000 | 72,103,000 | 72,572,000 |
| Noninterest-bearing deposits | 6,767,000 | 6,653,000 | 7,898,000 | 8,618,000 |
| Equity capital | 10,282,000 | 10,430,000 | 10,776,000 | 11,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,591,000 | 3,319,000 | 5,192,000 | 7,225,000 |
| Interest expense | 418,000 | 906,000 | 1,476,000 | 2,134,000 |
| Net interest income | 1,173,000 | 2,413,000 | 3,716,000 | 5,091,000 |
| Noninterest income | 150,000 | 400,000 | 535,000 | 699,000 |
| Noninterest expense | 574,000 | 1,159,000 | 1,784,000 | 2,448,000 |
| Provision for loan losses | 86,000 | 197,000 | 443,000 | 564,000 |
| Pretax income | 665,000 | 1,408,000 | 1,975,000 | 2,729,000 |
| Income tax | 179,000 | 472,000 | 676,000 | 887,000 |
| Net income | 486,000 | 936,000 | 1,299,000 | 1,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,079,000 | 10,233,000 | 10,596,000 | 11,147,000 |
| Total capital | 10,965,000 | 11,167,000 | 11,568,000 | 12,151,000 |
| Risk-weighted assets | 70,299,000 | 74,200,000 | 77,133,000 | 79,742,000 |