Call reports 2005
PEOPLES EXCHANGE BANK — 2005
What PEOPLES EXCHANGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 47,450,000 | 49,479,000 | 49,638,000 | 52,251,000 |
| Total loans | 31,914,000 | 33,850,000 | 33,576,000 | 33,638,000 |
| Allowance for loan losses | 495,000 | 494,000 | 494,000 | 494,000 |
| Securities available for sale | 11,335,000 | 11,421,000 | 10,403,000 | 11,323,000 |
| Securities held to maturity | 466,000 | 457,000 | 1,430,000 | 2,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,742,000 | 34,491,000 | 34,107,000 | 39,119,000 |
| Interest-bearing deposits | 28,458,000 | 28,928,000 | 28,752,000 | 32,498,000 |
| Noninterest-bearing deposits | 7,284,000 | 5,563,000 | 5,355,000 | 6,621,000 |
| Equity capital | 5,471,000 | 5,729,000 | 5,812,000 | 5,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 612,000 | 1,252,000 | 1,928,000 | 2,612,000 |
| Interest expense | 162,000 | 351,000 | 579,000 | 826,000 |
| Net interest income | 450,000 | 901,000 | 1,349,000 | 1,786,000 |
| Noninterest income | 102,000 | 221,000 | 343,000 | 474,000 |
| Noninterest expense | 379,000 | 768,000 | 1,160,000 | 1,574,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 173,000 | 354,000 | 511,000 | 655,000 |
| Income tax | -1,000 | 6,000 | 13,000 | 19,000 |
| Net income | 174,000 | 348,000 | 498,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,281,000 | 5,455,000 | 5,555,000 | 4,919,000 |
| Total capital | 5,724,000 | 5,920,000 | 6,019,000 | 5,397,000 |
| Risk-weighted assets | 35,411,000 | 37,182,000 | 37,358,000 | 38,220,000 |