Call reports 2008
PEOPLES EXCHANGE BANK — 2008
What PEOPLES EXCHANGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 64,763,000 | 63,198,000 | 61,581,000 | 59,318,000 |
| Total loans | 46,738,000 | 45,140,000 | 45,243,000 | 44,005,000 |
| Allowance for loan losses | 349,000 | 363,000 | 391,000 | 417,000 |
| Securities available for sale | 7,185,000 | 7,578,000 | 7,515,000 | 8,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,658,000 | 55,000,000 | 53,212,000 | 51,096,000 |
| Interest-bearing deposits | 45,854,000 | 44,643,000 | 42,531,000 | 40,843,000 |
| Noninterest-bearing deposits | 10,804,000 | 10,357,000 | 10,681,000 | 10,253,000 |
| Equity capital | 7,834,000 | 7,905,000 | 7,984,000 | 8,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,022,000 | 2,046,000 | 3,044,000 | 4,059,000 |
| Interest expense | 399,000 | 752,000 | 1,072,000 | 1,360,000 |
| Net interest income | 623,000 | 1,294,000 | 1,972,000 | 2,699,000 |
| Noninterest income | 142,000 | 283,000 | 395,000 | 539,000 |
| Noninterest expense | 651,000 | 1,316,000 | 1,956,000 | 2,670,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 75,000 |
| Pretax income | 103,000 | 234,000 | 356,000 | 498,000 |
| Income tax | 55,000 | 79,000 | 139,000 | 141,000 |
| Net income | 48,000 | 155,000 | 217,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,832,000 | 7,940,000 | 8,002,000 | 8,141,000 |
| Total capital | 8,181,000 | 8,303,000 | 8,393,000 | 8,558,000 |
| Risk-weighted assets | 49,899,000 | 47,547,000 | 47,612,000 | 45,961,000 |
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