Call reports 2007
PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY — 2007
What PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 104,883,000 | 106,195,000 | 109,163,000 | 109,110,000 |
| Total loans | 79,382,000 | 82,621,000 | 81,478,000 | 81,972,000 |
| Allowance for loan losses | 1,584,000 | 1,592,000 | 1,605,000 | 1,744,000 |
| Securities available for sale | 11,910,000 | 11,359,000 | 12,538,000 | 13,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,469,000 | 92,362,000 | 94,977,000 | 94,618,000 |
| Interest-bearing deposits | 83,748,000 | 83,971,000 | 87,008,000 | 87,222,000 |
| Noninterest-bearing deposits | 7,721,000 | 8,391,000 | 7,969,000 | 7,396,000 |
| Equity capital | 10,230,000 | 10,729,000 | 10,844,000 | 11,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,320,000 | 4,752,000 | 7,239,000 | 9,665,000 |
| Interest expense | 1,003,000 | 2,043,000 | 3,132,000 | 4,223,000 |
| Net interest income | 1,317,000 | 2,709,000 | 4,107,000 | 5,442,000 |
| Noninterest income | 187,000 | 358,000 | 524,000 | 710,000 |
| Noninterest expense | 667,000 | 1,264,000 | 1,915,000 | 2,560,000 |
| Provision for loan losses | 120,000 | 218,000 | 386,000 | 720,000 |
| Pretax income | 717,000 | 1,586,000 | 2,331,000 | 2,873,000 |
| Income tax | 195,000 | 450,000 | 702,000 | 979,000 |
| Net income | 522,000 | 1,136,000 | 1,629,000 | 1,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,145,000 | 10,703,000 | 10,715,000 | 10,746,000 |
| Total capital | 11,212,000 | 11,796,000 | 11,801,000 | 11,837,000 |
| Risk-weighted assets | 84,829,000 | 86,979,000 | 86,343,000 | 86,650,000 |