Call reports 2004
PEOPLES EXCHANGE BANK — 2004
What PEOPLES EXCHANGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 49,297,000 | 51,533,000 | 52,168,000 | 50,025,000 |
| Total loans | 28,767,000 | 33,304,000 | 34,802,000 | 33,255,000 |
| Allowance for loan losses | 498,000 | 505,000 | 505,000 | 495,000 |
| Securities available for sale | 14,189,000 | 14,141,000 | 13,138,000 | 12,071,000 |
| Securities held to maturity | 324,000 | 308,000 | 292,000 | 274,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,848,000 | 36,793,000 | 36,271,000 | 38,274,000 |
| Interest-bearing deposits | 30,433,000 | 30,981,000 | 30,229,000 | 32,117,000 |
| Noninterest-bearing deposits | 6,415,000 | 5,812,000 | 6,042,000 | 6,157,000 |
| Equity capital | 5,559,000 | 5,430,000 | 5,391,000 | 5,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 570,000 | 1,176,000 | 1,819,000 | 2,452,000 |
| Interest expense | 148,000 | 298,000 | 462,000 | 626,000 |
| Net interest income | 422,000 | 878,000 | 1,357,000 | 1,826,000 |
| Noninterest income | 100,000 | 213,000 | 335,000 | 439,000 |
| Noninterest expense | 356,000 | 717,000 | 1,094,000 | 1,496,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 166,000 | 374,000 | 598,000 | 769,000 |
| Income tax | 7,000 | 16,000 | 25,000 | 32,000 |
| Net income | 159,000 | 358,000 | 573,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,038,000 | 5,198,000 | 5,031,000 | 5,195,000 |
| Total capital | 5,442,000 | 5,656,000 | 5,536,000 | 5,664,000 |
| Risk-weighted assets | 32,238,000 | 36,594,000 | 40,508,000 | 37,520,000 |