Call reports 2003
PEOPLES EXCHANGE BANK — 2003
What PEOPLES EXCHANGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 46,708,000 | 50,614,000 | 51,089,000 | 51,067,000 |
| Total loans | 27,749,000 | 30,793,000 | 30,420,000 | 30,362,000 |
| Allowance for loan losses | 501,000 | 487,000 | 495,000 | 496,000 |
| Securities available for sale | 14,583,000 | 15,492,000 | 13,431,000 | 14,768,000 |
| Securities held to maturity | 333,000 | 404,000 | 370,000 | 347,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,299,000 | 37,797,000 | 38,402,000 | 38,296,000 |
| Interest-bearing deposits | 27,948,000 | 33,240,000 | 32,279,000 | 33,003,000 |
| Noninterest-bearing deposits | 5,351,000 | 4,557,000 | 6,123,000 | 5,293,000 |
| Equity capital | 5,323,000 | 5,479,000 | 5,352,000 | 5,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 621,000 | 1,243,000 | 1,865,000 | 2,459,000 |
| Interest expense | 197,000 | 384,000 | 553,000 | 709,000 |
| Net interest income | 424,000 | 859,000 | 1,312,000 | 1,750,000 |
| Noninterest income | 90,000 | 202,000 | 310,000 | 425,000 |
| Noninterest expense | 350,000 | 713,000 | 1,079,000 | 1,473,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 164,000 | 348,000 | 543,000 | 702,000 |
| Income tax | 1,000 | 9,000 | 17,000 | 24,000 |
| Net income | 163,000 | 339,000 | 526,000 | 678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,776,000 | 4,952,000 | 4,890,000 | 5,032,000 |
| Total capital | 5,175,000 | 5,379,000 | 5,316,000 | 5,460,000 |
| Risk-weighted assets | 31,786,000 | 34,104,000 | 34,066,000 | 34,172,000 |