Call reports 2019
PEOPLES EXCHANGE BANK — 2019
What PEOPLES EXCHANGE BANK 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 | 67,550,000 | 69,727,000 | 69,393,000 | 69,897,000 |
| Total loans | 46,063,000 | 48,605,000 | 49,608,000 | 50,011,000 |
| Allowance for loan losses | 444,000 | 444,000 | 443,000 | 497,000 |
| Securities available for sale | 11,345,000 | 12,460,000 | 13,187,000 | 12,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,600,000 | 59,362,000 | 58,624,000 | 59,245,000 |
| Interest-bearing deposits | 41,164,000 | 43,280,000 | 43,126,000 | 43,500,000 |
| Noninterest-bearing deposits | 16,436,000 | 16,082,000 | 15,498,000 | 15,745,000 |
| Equity capital | 9,818,000 | 10,182,000 | 10,480,000 | 10,512,000 |
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 | 855,000 | 1,759,000 | 2,685,000 | 3,619,000 |
| Interest expense | 94,000 | 203,000 | 313,000 | 429,000 |
| Net interest income | 761,000 | 1,556,000 | 2,372,000 | 3,190,000 |
| Noninterest income | 91,000 | 178,000 | 290,000 | 389,000 |
| Noninterest expense | 733,000 | 1,387,000 | 2,033,000 | 2,691,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 85,000 |
| Pretax income | 79,000 | 311,000 | 599,000 | 778,000 |
| Income tax | 42,000 | 45,000 | 87,000 | 102,000 |
| Net income | 37,000 | 266,000 | 512,000 | 676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,896,000 | 10,129,000 | 10,377,000 | 10,414,000 |
| Total capital | 10,340,000 | 10,573,000 | 10,820,000 | 10,911,000 |
| Risk-weighted assets | 56,827,000 | 58,820,000 | 53,171,000 | 53,728,000 |