Call reports 2010
PEOPLES EXCHANGE BANK — 2010
What PEOPLES EXCHANGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 68,804,000 | 68,066,000 | 68,886,000 | 73,060,000 |
| Total loans | 44,857,000 | 46,045,000 | 48,001,000 | 45,295,000 |
| Allowance for loan losses | 724,000 | 755,000 | 778,000 | 801,000 |
| Securities available for sale | 8,385,000 | 8,339,000 | 7,289,000 | 8,195,000 |
| Securities held to maturity | 5,236,000 | 5,674,000 | 5,668,000 | 5,547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,810,000 | 41,226,000 | 40,428,000 | 46,316,000 |
| Interest-bearing deposits | 33,204,000 | 32,948,000 | 31,437,000 | 36,367,000 |
| Noninterest-bearing deposits | 8,606,000 | 8,278,000 | 8,991,000 | 9,949,000 |
| Equity capital | 9,145,000 | 9,561,000 | 9,763,000 | 9,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 877,000 | 1,733,000 | 2,604,000 | 3,434,000 |
| Interest expense | 228,000 | 446,000 | 657,000 | 861,000 |
| Net interest income | 649,000 | 1,287,000 | 1,947,000 | 2,573,000 |
| Noninterest income | 167,000 | 435,000 | 768,000 | 1,143,000 |
| Noninterest expense | 625,000 | 1,262,000 | 1,911,000 | 2,654,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 114,000 |
| Pretax income | 161,000 | 400,000 | 714,000 | 948,000 |
| Income tax | 63,000 | 8,000 | 106,000 | 276,000 |
| Net income | 98,000 | 392,000 | 608,000 | 672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,320,000 | 6,604,000 | 6,597,000 | 7,368,000 |
| Total capital | 6,993,000 | 7,298,000 | 7,346,000 | 8,139,000 |
| Risk-weighted assets | 53,842,000 | 55,474,000 | 61,002,000 | 61,667,000 |