Call reports 2009
PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY — 2009
What PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 119,107,000 | 122,854,000 | 122,123,000 | 123,829,000 |
| Total loans | 91,003,000 | 94,461,000 | 96,170,000 | 97,583,000 |
| Allowance for loan losses | 1,424,000 | 1,589,000 | 1,640,000 | 1,664,000 |
| Securities available for sale | 8,649,000 | 8,224,000 | 9,006,000 | 7,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,000,000 | 108,968,000 | 108,067,000 | 109,753,000 |
| Interest-bearing deposits | 97,770,000 | 101,216,000 | 101,544,000 | 101,714,000 |
| Noninterest-bearing deposits | 7,230,000 | 7,752,000 | 6,523,000 | 8,039,000 |
| Equity capital | 11,164,000 | 10,949,000 | 11,013,000 | 11,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,971,000 | 3,874,000 | 5,791,000 | 7,669,000 |
| Interest expense | 822,000 | 1,613,000 | 2,377,000 | 3,063,000 |
| Net interest income | 1,149,000 | 2,261,000 | 3,414,000 | 4,606,000 |
| Noninterest income | 172,000 | 252,000 | 447,000 | 644,000 |
| Noninterest expense | 746,000 | 2,025,000 | 2,785,000 | 3,614,000 |
| Provision for loan losses | 119,000 | 432,000 | 775,000 | 1,178,000 |
| Pretax income | 456,000 | 56,000 | 301,000 | 471,000 |
| Income tax | 135,000 | -20,000 | 97,000 | 71,000 |
| Net income | 321,000 | 76,000 | 204,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,165,000 | 10,927,000 | 10,891,000 | 11,084,000 |
| Total capital | 12,376,000 | 12,172,000 | 12,162,000 | 12,359,000 |
| Risk-weighted assets | 96,667,000 | 99,288,000 | 100,038,000 | 101,183,000 |