Call reports 2007
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2007
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 10,532,000 | 12,417,000 | 14,512,000 | 15,653,000 |
| Total loans | 5,559,000 | 5,545,000 | 6,883,000 | 10,399,000 |
| Allowance for loan losses | 106,000 | 165,000 | 118,000 | 135,000 |
| Securities available for sale | 1,381,000 | 1,847,000 | 2,109,000 | 1,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,702,000 | 8,666,000 | 10,764,000 | 11,190,000 |
| Interest-bearing deposits | 5,740,000 | 7,382,000 | 9,353,000 | 9,926,000 |
| Noninterest-bearing deposits | 962,000 | 1,284,000 | 1,411,000 | 1,264,000 |
| Equity capital | 3,738,000 | 3,615,000 | 3,580,000 | 3,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 181,000 | 382,000 | 626,000 | 880,000 |
| Interest expense | 64,000 | 151,000 | 261,000 | 385,000 |
| Net interest income | 117,000 | 231,000 | 365,000 | 495,000 |
| Noninterest income | 28,000 | 59,000 | 98,000 | 156,000 |
| Noninterest expense | 194,000 | 394,000 | 617,000 | 931,000 |
| Provision for loan losses | 25,000 | 120,000 | 135,000 | 155,000 |
| Pretax income | -74,000 | -224,000 | -289,000 | -435,000 |
| Income tax | 0 | -36,000 | -54,000 | -183,000 |
| Net income | -74,000 | -188,000 | -235,000 | -252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,736,000 | 3,627,000 | 3,575,000 | 3,552,000 |
| Total capital | 3,823,000 | 3,721,000 | 3,690,000 | 3,687,000 |
| Risk-weighted assets | 6,931,000 | 7,427,000 | 9,239,000 | 11,973,000 |