Call reports 2007
PEOPLES EXCHANGE BANK — 2007
What PEOPLES EXCHANGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 53,747,000 | 54,470,000 | 57,130,000 | 64,483,000 |
| Total loans | 33,269,000 | 34,784,000 | 34,632,000 | 35,003,000 |
| Allowance for loan losses | 517,000 | 520,000 | 520,000 | 520,000 |
| Securities available for sale | 11,496,000 | 11,906,000 | 14,706,000 | 14,885,000 |
| Securities held to maturity | 2,739,000 | 2,735,000 | 3,027,000 | 4,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,506,000 | 43,533,000 | 43,461,000 | 49,166,000 |
| Interest-bearing deposits | 35,403,000 | 36,363,000 | 36,019,000 | 41,405,000 |
| Noninterest-bearing deposits | 8,103,000 | 7,170,000 | 7,442,000 | 7,761,000 |
| Equity capital | 5,280,000 | 5,227,000 | 5,596,000 | 8,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 824,000 | 1,670,000 | 2,593,000 | 315,000 |
| Interest expense | 366,000 | 755,000 | 1,183,000 | 134,000 |
| Net interest income | 458,000 | 915,000 | 1,410,000 | 181,000 |
| Noninterest income | 102,000 | 291,000 | 489,000 | 58,000 |
| Noninterest expense | 438,000 | 895,000 | 1,378,000 | 171,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 122,000 | 311,000 | 521,000 | 68,000 |
| Income tax | 1,000 | 9,000 | 18,000 | 22,000 |
| Net income | 121,000 | 302,000 | 503,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,854,000 | 4,885,000 | 5,087,000 | 4,857,000 |
| Total capital | 5,339,000 | 5,405,000 | 5,607,000 | 5,377,000 |
| Risk-weighted assets | 38,790,000 | 41,773,000 | 43,523,000 | 45,673,000 |