Call reports 2009
PEOPLES EXCHANGE BANK — 2009
What PEOPLES EXCHANGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 58,648,000 | 57,688,000 | 58,668,000 | 58,030,000 |
| Total loans | 43,597,000 | 43,787,000 | 44,380,000 | 43,874,000 |
| Allowance for loan losses | 372,000 | 369,000 | 391,000 | 318,000 |
| Securities available for sale | 5,633,000 | 5,060,000 | 5,041,000 | 4,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,444,000 | 49,366,000 | 50,186,000 | 49,811,000 |
| Interest-bearing deposits | 39,037,000 | 39,188,000 | 39,006,000 | 38,300,000 |
| Noninterest-bearing deposits | 11,407,000 | 10,178,000 | 11,180,000 | 11,511,000 |
| Equity capital | 8,015,000 | 8,014,000 | 8,162,000 | 8,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 876,000 | 1,713,000 | 2,549,000 | 3,395,000 |
| Interest expense | 239,000 | 433,000 | 619,000 | 789,000 |
| Net interest income | 637,000 | 1,280,000 | 1,930,000 | 2,606,000 |
| Noninterest income | 138,000 | 269,000 | 405,000 | 669,000 |
| Noninterest expense | 647,000 | 1,280,000 | 1,979,000 | 2,577,000 |
| Provision for loan losses | 30,000 | 60,000 | 102,000 | 337,000 |
| Pretax income | 193,000 | 304,000 | 349,000 | 248,000 |
| Income tax | 122,000 | 182,000 | 202,000 | 179,000 |
| Net income | 71,000 | 122,000 | 147,000 | 69,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,083,000 | 8,134,000 | 8,158,000 | 8,081,000 |
| Total capital | 8,455,000 | 8,503,000 | 8,549,000 | 8,399,000 |
| Risk-weighted assets | 48,738,000 | 48,240,000 | 46,658,000 | 49,099,000 |
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