Call reports 2006
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2006
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 4,306,000 | 6,526,000 | 8,043,000 | 9,065,000 |
| Total loans | 2,412,000 | 4,797,000 | 5,670,000 | 5,558,000 |
| Allowance for loan losses | 30,000 | 61,000 | 70,000 | 105,000 |
| Securities available for sale | 0 | 0 | 373,000 | 531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,000 | 2,700,000 | 4,233,000 | 5,138,000 |
| Interest-bearing deposits | 268,000 | 2,070,000 | 3,523,000 | 4,439,000 |
| Noninterest-bearing deposits | 165,000 | 630,000 | 710,000 | 699,000 |
| Equity capital | 3,872,000 | 3,806,000 | 3,770,000 | 3,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,000 | 125,000 | 291,000 | 476,000 |
| Interest expense | 9,000 | 21,000 | 56,000 | 109,000 |
| Net interest income | 1,000 | 104,000 | 235,000 | 367,000 |
| Noninterest income | 0 | 10,000 | 42,000 | 75,000 |
| Noninterest expense | 99,000 | 247,000 | 437,000 | 649,000 |
| Provision for loan losses | 30,000 | 61,000 | 70,000 | 115,000 |
| Pretax income | -128,000 | -194,000 | -230,000 | -322,000 |
| Income tax | 0 | 0 | 0 | -132,000 |
| Net income | -128,000 | -194,000 | -230,000 | -190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,872,000 | 3,806,000 | 3,770,000 | 3,810,000 |
| Total capital | 3,902,000 | 3,867,000 | 3,840,000 | 3,890,000 |
| Risk-weighted assets | 2,731,000 | 5,073,000 | 6,086,000 | 6,405,000 |