Call reports 2016
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2016
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 33,467,000 | 32,835,000 | 32,968,000 | 33,501,000 |
| Total loans | 25,135,000 | 25,881,000 | 25,282,000 | 27,294,000 |
| Allowance for loan losses | 276,000 | 271,000 | 273,000 | 242,000 |
| Securities available for sale | 2,253,000 | 1,904,000 | 1,443,000 | 1,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,938,000 | 29,291,000 | 29,324,000 | 29,841,000 |
| Interest-bearing deposits | 25,040,000 | 24,537,000 | 25,228,000 | 25,292,000 |
| Noninterest-bearing deposits | 4,898,000 | 4,754,000 | 4,096,000 | 4,549,000 |
| Equity capital | 3,003,000 | 3,067,000 | 3,133,000 | 3,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 446,000 | 911,000 | 1,384,000 | 1,852,000 |
| Interest expense | 75,000 | 149,000 | 223,000 | 297,000 |
| Net interest income | 371,000 | 762,000 | 1,161,000 | 1,555,000 |
| Noninterest income | 57,000 | 141,000 | 229,000 | 304,000 |
| Noninterest expense | 370,000 | 752,000 | 1,138,000 | 1,544,000 |
| Provision for loan losses | 7,000 | 7,000 | 10,000 | 25,000 |
| Pretax income | 48,000 | 141,000 | 241,000 | 289,000 |
| Income tax | 17,000 | 50,000 | 86,000 | 103,000 |
| Net income | 31,000 | 91,000 | 155,000 | 186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,998,000 | 3,058,000 | 3,122,000 | 3,153,000 |
| Total capital | 3,274,000 | 3,329,000 | 3,395,000 | 3,395,000 |
| Risk-weighted assets | 23,683,000 | 24,011,000 | 23,232,000 | 24,942,000 |