Call reports 2013
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2013
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 32,503,000 | 31,608,000 | 31,480,000 | 31,593,000 |
| Total loans | 22,986,000 | 22,281,000 | 21,347,000 | 21,924,000 |
| Allowance for loan losses | 411,000 | 376,000 | 367,000 | 296,000 |
| Securities available for sale | 2,196,000 | 2,105,000 | 2,140,000 | 2,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,652,000 | 28,779,000 | 28,606,000 | 28,819,000 |
| Interest-bearing deposits | 25,024,000 | 25,688,000 | 25,388,000 | 25,184,000 |
| Noninterest-bearing deposits | 4,628,000 | 3,091,000 | 3,218,000 | 3,635,000 |
| Equity capital | 2,656,000 | 2,643,000 | 2,635,000 | 2,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 423,000 | 862,000 | 1,284,000 | 1,686,000 |
| Interest expense | 83,000 | 160,000 | 237,000 | 312,000 |
| Net interest income | 340,000 | 702,000 | 1,047,000 | 1,374,000 |
| Noninterest income | 59,000 | 122,000 | 195,000 | 262,000 |
| Noninterest expense | 367,000 | 727,000 | 1,093,000 | 1,476,000 |
| Provision for loan losses | 50,000 | 83,000 | 118,000 | 233,000 |
| Pretax income | -18,000 | 14,000 | 31,000 | -73,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -18,000 | 14,000 | 31,000 | -73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,647,000 | 2,679,000 | 2,695,000 | 2,592,000 |
| Total capital | 2,920,000 | 2,945,000 | 2,953,000 | 2,857,000 |
| Risk-weighted assets | 21,738,000 | 21,134,000 | 20,535,000 | 21,206,000 |