Call reports 2009
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2009
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 29,652,000 | 30,860,000 | 32,127,000 | 32,800,000 |
| Total loans | 23,320,000 | 25,621,000 | 26,806,000 | 26,260,000 |
| Allowance for loan losses | 405,000 | 445,000 | 460,000 | 453,000 |
| Securities available for sale | 1,028,000 | 950,000 | 905,000 | 833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,112,000 | 27,447,000 | 28,651,000 | 29,332,000 |
| Interest-bearing deposits | 24,169,000 | 25,716,000 | 26,630,000 | 27,198,000 |
| Noninterest-bearing deposits | 1,943,000 | 1,731,000 | 2,021,000 | 2,134,000 |
| Equity capital | 3,278,000 | 3,137,000 | 3,158,000 | 3,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 448,000 | 966,000 | 1,486,000 | 1,978,000 |
| Interest expense | 204,000 | 415,000 | 626,000 | 813,000 |
| Net interest income | 244,000 | 551,000 | 860,000 | 1,165,000 |
| Noninterest income | 52,000 | 121,000 | 188,000 | 231,000 |
| Noninterest expense | 309,000 | 687,000 | 999,000 | 1,329,000 |
| Provision for loan losses | 60,000 | 306,000 | 356,000 | 381,000 |
| Pretax income | -73,000 | -321,000 | -307,000 | -314,000 |
| Income tax | 0 | -106,000 | -106,000 | -120,000 |
| Net income | -73,000 | -215,000 | -201,000 | -194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,265,000 | 3,114,000 | 3,137,000 | 3,144,000 |
| Total capital | 3,566,000 | 3,433,000 | 3,464,000 | 3,464,000 |
| Risk-weighted assets | 23,962,000 | 25,423,000 | 25,998,000 | 25,443,000 |