Call reports 2017
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2017
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 34,683,000 | 35,442,000 | 35,553,000 | 36,947,000 |
| Total loans | 27,803,000 | 29,119,000 | 29,639,000 | 30,860,000 |
| Allowance for loan losses | 251,000 | 252,000 | 253,000 | 266,000 |
| Securities available for sale | 1,284,000 | 1,247,000 | 1,193,000 | 1,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,005,000 | 31,708,000 | 31,629,000 | 33,023,000 |
| Interest-bearing deposits | 26,006,000 | 26,119,000 | 26,556,000 | 28,077,000 |
| Noninterest-bearing deposits | 4,999,000 | 5,589,000 | 5,073,000 | 4,946,000 |
| Equity capital | 3,168,000 | 3,259,000 | 3,353,000 | 3,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 469,000 | 973,000 | 1,495,000 | 2,038,000 |
| Interest expense | 75,000 | 152,000 | 231,000 | 315,000 |
| Net interest income | 394,000 | 821,000 | 1,264,000 | 1,723,000 |
| Noninterest income | 44,000 | 108,000 | 183,000 | 238,000 |
| Noninterest expense | 393,000 | 746,000 | 1,108,000 | 1,524,000 |
| Provision for loan losses | 6,000 | 15,000 | 21,000 | 61,000 |
| Pretax income | 39,000 | 168,000 | 318,000 | 376,000 |
| Income tax | 14,000 | 60,000 | 114,000 | 139,000 |
| Net income | 25,000 | 108,000 | 204,000 | 237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,163,000 | 3,246,000 | 3,342,000 | 3,382,000 |
| Total capital | 3,414,000 | 3,498,000 | 3,595,000 | 3,648,000 |
| Risk-weighted assets | 25,071,000 | 26,135,000 | 26,146,000 | 26,826,000 |