Call reports 2020
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY — 2020
What PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 42,253,000 | 44,115,000 | 43,207,000 | 44,351,000 |
| Total loans | 33,833,000 | 34,728,000 | 34,325,000 | 33,394,000 |
| Allowance for loan losses | 181,000 | 197,000 | 208,000 | 210,000 |
| Securities available for sale | 679,000 | 1,588,000 | 1,879,000 | 2,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,450,000 | 39,086,000 | 37,979,000 | 39,198,000 |
| Interest-bearing deposits | 31,154,000 | 31,319,000 | 30,560,000 | 31,101,000 |
| Noninterest-bearing deposits | 6,296,000 | 7,767,000 | 7,419,000 | 8,097,000 |
| Equity capital | 4,194,000 | 4,318,000 | 4,441,000 | 4,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 633,000 | 1,251,000 | 1,884,000 | 2,469,000 |
| Interest expense | 156,000 | 304,000 | 445,000 | 571,000 |
| Net interest income | 477,000 | 947,000 | 1,439,000 | 1,898,000 |
| Noninterest income | 65,000 | 133,000 | 195,000 | 264,000 |
| Noninterest expense | 430,000 | 824,000 | 1,236,000 | 1,644,000 |
| Provision for loan losses | 12,000 | 21,000 | 25,000 | 25,000 |
| Pretax income | 100,000 | 235,000 | 373,000 | 493,000 |
| Income tax | 23,000 | 35,000 | 52,000 | 75,000 |
| Net income | 77,000 | 200,000 | 321,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,184,000 | 4,306,000 | 4,428,000 | 4,525,000 |