Call reports 2008
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2008
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 17,612,000 | 20,650,000 | 24,212,000 | 26,064,000 |
| Total loans | 12,524,000 | 15,157,000 | 19,940,000 | 21,602,000 |
| Allowance for loan losses | 221,000 | 238,000 | 332,000 | 356,000 |
| Securities available for sale | 1,291,000 | 913,000 | 789,000 | 765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,950,000 | 16,979,000 | 19,283,000 | 22,336,000 |
| Interest-bearing deposits | 12,391,000 | 14,603,000 | 17,034,000 | 20,283,000 |
| Noninterest-bearing deposits | 1,559,000 | 2,376,000 | 2,249,000 | 2,053,000 |
| Equity capital | 3,424,000 | 3,413,000 | 3,314,000 | 3,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 316,000 | 685,000 | 1,087,000 | 1,530,000 |
| Interest expense | 140,000 | 290,000 | 457,000 | 645,000 |
| Net interest income | 176,000 | 395,000 | 630,000 | 885,000 |
| Noninterest income | 53,000 | 120,000 | 186,000 | 248,000 |
| Noninterest expense | 267,000 | 547,000 | 862,000 | 1,165,000 |
| Provision for loan losses | 110,000 | 145,000 | 308,000 | 356,000 |
| Pretax income | -146,000 | -175,000 | -350,000 | -384,000 |
| Income tax | 0 | -30,000 | -100,000 | -164,000 |
| Net income | -146,000 | -145,000 | -250,000 | -220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,412,000 | 3,412,000 | 3,308,000 | 3,338,000 |
| Total capital | 3,590,000 | 3,618,000 | 3,568,000 | 3,616,000 |
| Risk-weighted assets | 14,173,000 | 16,482,000 | 20,743,000 | 22,146,000 |