Call reports 2016
PEOPLES BANK & TRUST COMPANY — 2016
What PEOPLES BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 88,810,000 | 87,433,000 | 94,876,000 | 93,957,000 |
| Total loans | 46,883,000 | 50,161,000 | 50,445,000 | 50,293,000 |
| Allowance for loan losses | 896,000 | 818,000 | 850,000 | 874,000 |
| Securities available for sale | 18,444,000 | 17,059,000 | 16,249,000 | 16,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,282,000 | 75,827,000 | 83,144,000 | 82,454,000 |
| Interest-bearing deposits | 53,942,000 | 55,258,000 | 60,964,000 | 59,657,000 |
| Noninterest-bearing deposits | 23,340,000 | 20,569,000 | 22,180,000 | 22,797,000 |
| Equity capital | 9,925,000 | 10,134,000 | 10,256,000 | 10,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 814,000 | 1,621,000 | 2,470,000 | 3,303,000 |
| Interest expense | 48,000 | 97,000 | 149,000 | 203,000 |
| Net interest income | 766,000 | 1,524,000 | 2,321,000 | 3,100,000 |
| Noninterest income | 92,000 | 137,000 | 242,000 | 347,000 |
| Noninterest expense | 634,000 | 1,321,000 | 2,014,000 | 2,753,000 |
| Provision for loan losses | 0 | -75,000 | -75,000 | -75,000 |
| Pretax income | 224,000 | 422,000 | 631,000 | 776,000 |
| Income tax | 76,000 | 140,000 | 209,000 | 267,000 |
| Net income | 148,000 | 282,000 | 422,000 | 509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,806,000 | 9,940,000 | 10,080,000 | 10,168,000 |
| Total capital | 10,456,000 | 10,615,000 | 10,764,000 | 10,845,000 |
| Risk-weighted assets | 51,756,000 | 53,903,000 | 54,544,000 | 54,027,000 |