Call reports 2009
PEOPLES EXCHANGE BANK — 2009
What PEOPLES EXCHANGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 63,857,000 | 70,980,000 | 69,865,000 | 71,593,000 |
| Total loans | 38,151,000 | 42,100,000 | 43,729,000 | 46,816,000 |
| Allowance for loan losses | 517,000 | 576,000 | 636,000 | 697,000 |
| Securities available for sale | 12,659,000 | 14,107,000 | 11,551,000 | 11,478,000 |
| Securities held to maturity | 4,885,000 | 4,834,000 | 4,798,000 | 4,796,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,722,000 | 45,426,000 | 42,513,000 | 43,597,000 |
| Interest-bearing deposits | 35,075,000 | 34,845,000 | 33,600,000 | 33,831,000 |
| Noninterest-bearing deposits | 8,647,000 | 10,581,000 | 8,914,000 | 9,766,000 |
| Equity capital | 8,990,000 | 9,069,000 | 9,184,000 | 9,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,735,000 | 2,637,000 | 3,541,000 |
| Interest expense | 233,000 | 478,000 | 736,000 | 986,000 |
| Net interest income | 622,000 | 1,257,000 | 1,901,000 | 2,555,000 |
| Noninterest income | 150,000 | 369,000 | 626,000 | 806,000 |
| Noninterest expense | 569,000 | 1,190,000 | 1,814,000 | 2,471,000 |
| Provision for loan losses | 20,000 | 80,000 | 140,000 | 200,000 |
| Pretax income | 183,000 | 356,000 | 573,000 | 690,000 |
| Income tax | -28,000 | 40,000 | 127,000 | 172,000 |
| Net income | 211,000 | 316,000 | 446,000 | 518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,971,000 | 6,019,000 | 6,109,000 | 6,197,000 |
| Total capital | 6,488,000 | 6,595,000 | 6,745,000 | 6,874,000 |
| Risk-weighted assets | 46,911,000 | 54,694,000 | 56,468,000 | 54,206,000 |