Call reports 2011
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2011
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 31,731,000 | 32,236,000 | 32,126,000 | 31,714,000 |
| Total loans | 27,389,000 | 26,151,000 | 24,773,000 | 24,890,000 |
| Allowance for loan losses | 669,000 | 530,000 | 473,000 | 471,000 |
| Securities available for sale | 616,000 | 576,000 | 873,000 | 939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,458,000 | 28,981,000 | 28,885,000 | 28,575,000 |
| Interest-bearing deposits | 25,504,000 | 26,003,000 | 26,294,000 | 26,112,000 |
| Noninterest-bearing deposits | 2,954,000 | 2,978,000 | 2,591,000 | 2,463,000 |
| Equity capital | 2,997,000 | 2,994,000 | 2,955,000 | 2,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 466,000 | 933,000 | 1,375,000 | 1,818,000 |
| Interest expense | 129,000 | 250,000 | 369,000 | 484,000 |
| Net interest income | 337,000 | 683,000 | 1,006,000 | 1,334,000 |
| Noninterest income | 48,000 | 126,000 | 182,000 | 210,000 |
| Noninterest expense | 351,000 | 713,000 | 1,064,000 | 1,450,000 |
| Provision for loan losses | 40,000 | 110,000 | 175,000 | 275,000 |
| Pretax income | -6,000 | -14,000 | -51,000 | -181,000 |
| Income tax | 0 | -5,000 | 0 | 0 |
| Net income | -6,000 | -9,000 | -51,000 | -181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,978,000 | 2,975,000 | 2,934,000 | 2,803,000 |
| Total capital | 3,296,000 | 3,281,000 | 3,224,000 | 3,099,000 |
| Risk-weighted assets | 25,118,000 | 24,258,000 | 23,036,000 | 23,466,000 |