Call reports 2015
PEOPLES EXCHANGE BANK — 2015
What PEOPLES EXCHANGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 62,606,000 | 59,358,000 | 62,034,000 | 60,233,000 |
| Total loans | 37,344,000 | 38,153,000 | 37,858,000 | 36,270,000 |
| Allowance for loan losses | 572,000 | 477,000 | 479,000 | 383,000 |
| Securities available for sale | 9,611,000 | 9,211,000 | 9,077,000 | 10,262,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,549,000 | 50,285,000 | 52,733,000 | 51,149,000 |
| Interest-bearing deposits | 40,288,000 | 36,936,000 | 39,156,000 | 37,309,000 |
| Noninterest-bearing deposits | 13,261,000 | 13,349,000 | 13,577,000 | 13,840,000 |
| Equity capital | 8,951,000 | 8,987,000 | 9,152,000 | 9,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 650,000 | 1,280,000 | 1,917,000 | 2,545,000 |
| Interest expense | 49,000 | 102,000 | 152,000 | 201,000 |
| Net interest income | 601,000 | 1,178,000 | 1,765,000 | 2,344,000 |
| Noninterest income | 167,000 | 287,000 | 412,000 | 523,000 |
| Noninterest expense | 664,000 | 1,246,000 | 1,833,000 | 2,492,000 |
| Provision for loan losses | 0 | 0 | 0 | 12,000 |
| Pretax income | 104,000 | 219,000 | 344,000 | 363,000 |
| Income tax | 29,000 | 3,000 | 46,000 | 70,000 |
| Net income | 75,000 | 216,000 | 298,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,033,000 | 9,174,000 | 9,256,000 | 9,127,000 |
| Total capital | 9,605,000 | 9,651,000 | 9,735,000 | 9,510,000 |
| Risk-weighted assets | 55,578,000 | 48,929,000 | 51,483,000 | 53,423,000 |