Call reports 2012
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2012
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 32,382,000 | 32,475,000 | 31,721,000 | 32,735,000 |
| Total loans | 24,353,000 | 23,039,000 | 23,123,000 | 23,226,000 |
| Allowance for loan losses | 485,000 | 455,000 | 494,000 | 477,000 |
| Securities available for sale | 1,086,000 | 1,025,000 | 1,386,000 | 1,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,295,000 | 29,435,000 | 28,825,000 | 29,836,000 |
| Interest-bearing deposits | 25,690,000 | 25,699,000 | 25,839,000 | 26,209,000 |
| Noninterest-bearing deposits | 3,605,000 | 3,736,000 | 2,986,000 | 3,627,000 |
| Equity capital | 2,843,000 | 2,841,000 | 2,687,000 | 2,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 449,000 | 881,000 | 1,293,000 | 1,717,000 |
| Interest expense | 109,000 | 208,000 | 303,000 | 391,000 |
| Net interest income | 340,000 | 673,000 | 990,000 | 1,326,000 |
| Noninterest income | 63,000 | 114,000 | 97,000 | 54,000 |
| Noninterest expense | 329,000 | 695,000 | 1,033,000 | 1,421,000 |
| Provision for loan losses | 50,000 | 70,000 | 185,000 | 220,000 |
| Pretax income | 24,000 | 22,000 | -131,000 | -261,000 |
| Income tax | 0 | 0 | 0 | 78,000 |
| Net income | 24,000 | 22,000 | -131,000 | -339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,780,000 | 2,779,000 | 2,625,000 | 2,664,000 |
| Total capital | 3,074,000 | 3,052,000 | 2,903,000 | 2,938,000 |
| Risk-weighted assets | 23,310,000 | 21,627,000 | 21,991,000 | 21,720,000 |