Call reports 2015
PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY — 2015
What PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 114,233,000 | 113,243,000 | 111,843,000 | 112,874,000 |
| Total loans | 84,282,000 | 85,912,000 | 85,357,000 | 85,012,000 |
| Allowance for loan losses | 2,418,000 | 2,099,000 | 2,132,000 | 1,985,000 |
| Securities available for sale | 13,361,000 | 12,988,000 | 12,251,000 | 11,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,170,000 | 100,091,000 | 98,141,000 | 98,857,000 |
| Interest-bearing deposits | 89,776,000 | 88,983,000 | 87,997,000 | 86,977,000 |
| Noninterest-bearing deposits | 11,394,000 | 11,108,000 | 10,144,000 | 11,880,000 |
| Equity capital | 12,453,000 | 12,545,000 | 12,907,000 | 13,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,454,000 | 2,969,000 | 4,449,000 | 5,905,000 |
| Interest expense | 172,000 | 349,000 | 524,000 | 698,000 |
| Net interest income | 1,282,000 | 2,620,000 | 3,925,000 | 5,207,000 |
| Noninterest income | 145,000 | 158,000 | 290,000 | 398,000 |
| Noninterest expense | 894,000 | 1,864,000 | 2,820,000 | 3,794,000 |
| Provision for loan losses | 77,000 | 212,000 | 245,000 | 255,000 |
| Pretax income | 456,000 | 702,000 | 1,150,000 | 1,556,000 |
| Income tax | 158,000 | 228,000 | 374,000 | 512,000 |
| Net income | 298,000 | 474,000 | 776,000 | 1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,495,000 | 11,671,000 | 11,973,000 | 12,579,000 |
| Total capital | 12,546,000 | 12,727,000 | 13,024,000 | 13,621,000 |
| Risk-weighted assets | 82,224,000 | 82,884,000 | 82,513,000 | 82,074,000 |