Call reports 2014
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2014
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 32,048,000 | 32,436,000 | 32,729,000 | 32,152,000 |
| Total loans | 21,670,000 | 22,446,000 | 23,911,000 | 23,308,000 |
| Allowance for loan losses | 298,000 | 319,000 | 327,000 | 319,000 |
| Securities available for sale | 2,422,000 | 2,474,000 | 2,335,000 | 1,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,224,000 | 29,582,000 | 29,740,000 | 29,033,000 |
| Interest-bearing deposits | 25,520,000 | 25,814,000 | 26,133,000 | 25,409,000 |
| Noninterest-bearing deposits | 3,704,000 | 3,768,000 | 3,607,000 | 3,624,000 |
| Equity capital | 2,554,000 | 2,598,000 | 2,706,000 | 2,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 414,000 | 839,000 | 1,289,000 | 1,736,000 |
| Interest expense | 72,000 | 146,000 | 221,000 | 297,000 |
| Net interest income | 342,000 | 693,000 | 1,068,000 | 1,439,000 |
| Noninterest income | 59,000 | 133,000 | 250,000 | 323,000 |
| Noninterest expense | 347,000 | 720,000 | 1,082,000 | 1,504,000 |
| Provision for loan losses | 45,000 | 60,000 | 80,000 | 92,000 |
| Pretax income | 9,000 | 46,000 | 157,000 | 168,000 |
| Income tax | 1,000 | 1,000 | 1,000 | -83,000 |
| Net income | 8,000 | 45,000 | 156,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,600,000 | 2,637,000 | 2,748,000 | 2,843,000 |
| Total capital | 2,870,000 | 2,915,000 | 3,037,000 | 3,130,000 |
| Risk-weighted assets | 21,580,000 | 22,236,000 | 23,102,000 | 22,963,000 |