Call reports 2019
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2019
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 40,171,000 | 40,569,000 | 40,926,000 | 41,504,000 |
| Total loans | 32,937,000 | 33,137,000 | 34,875,000 | 34,469,000 |
| Allowance for loan losses | 252,000 | 246,000 | 238,000 | 219,000 |
| Securities available for sale | 798,000 | 773,000 | 733,000 | 698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,871,000 | 36,129,000 | 36,322,000 | 36,848,000 |
| Interest-bearing deposits | 29,682,000 | 30,197,000 | 30,864,000 | 30,981,000 |
| Noninterest-bearing deposits | 6,189,000 | 5,932,000 | 5,458,000 | 5,867,000 |
| Equity capital | 3,817,000 | 3,937,000 | 4,024,000 | 4,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 581,000 | 1,184,000 | 1,814,000 | 2,454,000 |
| Interest expense | 129,000 | 274,000 | 434,000 | 597,000 |
| Net interest income | 452,000 | 910,000 | 1,380,000 | 1,857,000 |
| Noninterest income | 49,000 | 125,000 | 202,000 | 277,000 |
| Noninterest expense | 418,000 | 801,000 | 1,228,000 | 1,670,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 26,000 |
| Pretax income | 77,000 | 222,000 | 336,000 | 438,000 |
| Income tax | 18,000 | 52,000 | 79,000 | 102,000 |
| Net income | 59,000 | 170,000 | 257,000 | 336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,779,000 | 3,894,000 | 3,981,000 | 4,061,000 |
| Total capital | 4,031,000 | 4,140,000 | 4,219,000 | 4,280,000 |
| Risk-weighted assets | 28,626,000 | 29,286,000 | 31,171,000 | 30,682,000 |