Call reports 2010
PEOPLES BANK & TRUST COMPANY — 2010
What PEOPLES BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 78,414,000 | 76,516,000 | 78,618,000 | 78,536,000 |
| Total loans | 49,680,000 | 48,772,000 | 48,873,000 | 48,479,000 |
| Allowance for loan losses | 539,000 | 599,000 | 907,000 | 954,000 |
| Securities available for sale | 17,065,000 | 16,210,000 | 18,061,000 | 17,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,589,000 | 61,424,000 | 63,500,000 | 63,710,000 |
| Interest-bearing deposits | 49,345,000 | 47,748,000 | 48,779,000 | 47,964,000 |
| Noninterest-bearing deposits | 14,244,000 | 13,676,000 | 14,721,000 | 15,746,000 |
| Equity capital | 8,241,000 | 8,400,000 | 8,336,000 | 8,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 898,000 | 1,805,000 | 2,700,000 | 3,554,000 |
| Interest expense | 216,000 | 420,000 | 618,000 | 791,000 |
| Net interest income | 682,000 | 1,385,000 | 2,082,000 | 2,763,000 |
| Noninterest income | 127,000 | 239,000 | 353,000 | 471,000 |
| Noninterest expense | 592,000 | 1,198,000 | 1,820,000 | 2,519,000 |
| Provision for loan losses | 39,000 | 118,000 | 427,000 | 553,000 |
| Pretax income | 178,000 | 308,000 | 188,000 | 162,000 |
| Income tax | 47,000 | 73,000 | 2,000 | -35,000 |
| Net income | 131,000 | 235,000 | 186,000 | 197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,105,000 | 8,209,000 | 8,151,000 | 8,162,000 |
| Total capital | 8,644,000 | 8,808,000 | 8,857,000 | 8,810,000 |
| Risk-weighted assets | 57,178,000 | 56,187,000 | 56,250,000 | 55,759,000 |