Call reports 2018
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2018
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 38,232,000 | 38,382,000 | 38,326,000 | 38,370,000 |
| Total loans | 31,906,000 | 32,245,000 | 32,949,000 | 32,723,000 |
| Allowance for loan losses | 268,000 | 238,000 | 242,000 | 250,000 |
| Securities available for sale | 1,085,000 | 1,037,000 | 992,000 | 819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,219,000 | 34,342,000 | 34,132,000 | 34,181,000 |
| Interest-bearing deposits | 28,751,000 | 29,030,000 | 28,855,000 | 28,619,000 |
| Noninterest-bearing deposits | 5,468,000 | 5,312,000 | 5,277,000 | 5,562,000 |
| Equity capital | 3,461,000 | 3,579,000 | 3,662,000 | 3,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 550,000 | 1,105,000 | 1,671,000 | 2,257,000 |
| Interest expense | 88,000 | 183,000 | 284,000 | 396,000 |
| Net interest income | 462,000 | 922,000 | 1,387,000 | 1,861,000 |
| Noninterest income | 65,000 | 137,000 | 192,000 | 261,000 |
| Noninterest expense | 400,000 | 765,000 | 1,165,000 | 1,595,000 |
| Provision for loan losses | 7,000 | 16,000 | 25,000 | 32,000 |
| Pretax income | 120,000 | 278,000 | 389,000 | 495,000 |
| Income tax | 29,000 | 65,000 | 91,000 | 117,000 |
| Net income | 91,000 | 213,000 | 298,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,464,000 | 3,585,000 | 3,671,000 | 3,750,000 |
| Total capital | 3,732,000 | 3,823,000 | 3,913,000 | 4,000,000 |
| Risk-weighted assets | 27,656,000 | 28,294,000 | 28,469,000 | 28,450,000 |