Call reports 2015
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2015
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 32,703,000 | 33,763,000 | 33,001,000 | 33,408,000 |
| Total loans | 23,750,000 | 22,375,000 | 23,583,000 | 23,832,000 |
| Allowance for loan losses | 326,000 | 312,000 | 304,000 | 310,000 |
| Securities available for sale | 1,946,000 | 2,068,000 | 2,489,000 | 2,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,557,000 | 30,493,000 | 29,603,000 | 29,981,000 |
| Interest-bearing deposits | 25,393,000 | 26,163,000 | 25,994,000 | 25,717,000 |
| Noninterest-bearing deposits | 4,164,000 | 4,330,000 | 3,609,000 | 4,264,000 |
| Equity capital | 2,841,000 | 2,891,000 | 2,951,000 | 2,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 441,000 | 875,000 | 1,337,000 | 1,777,000 |
| Interest expense | 74,000 | 149,000 | 227,000 | 303,000 |
| Net interest income | 367,000 | 726,000 | 1,110,000 | 1,474,000 |
| Noninterest income | -12,000 | 61,000 | 119,000 | 204,000 |
| Noninterest expense | 349,000 | 689,000 | 1,048,000 | 1,457,000 |
| Provision for loan losses | 6,000 | 12,000 | 20,000 | 29,000 |
| Pretax income | 0 | 86,000 | 161,000 | 192,000 |
| Income tax | 0 | 28,000 | 53,000 | 68,000 |
| Net income | 0 | 58,000 | 108,000 | 124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,843,000 | 2,902,000 | 2,951,000 | 2,967,000 |
| Total capital | 3,125,000 | 3,166,000 | 3,228,000 | 3,251,000 |
| Risk-weighted assets | 22,520,000 | 21,047,000 | 22,147,000 | 22,688,000 |