Call reports 2013
PEOPLES EXCHANGE BANK — 2013
What PEOPLES EXCHANGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 63,803,000 | 63,702,000 | 63,479,000 | 65,707,000 |
| Total loans | 40,636,000 | 44,831,000 | 43,514,000 | 43,484,000 |
| Allowance for loan losses | 785,000 | 785,000 | 772,000 | 687,000 |
| Securities available for sale | 5,198,000 | 4,845,000 | 5,366,000 | 4,098,000 |
| Securities held to maturity | 7,412,000 | 7,027,000 | 7,135,000 | 6,467,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,336,000 | 40,482,000 | 38,851,000 | 44,095,000 |
| Interest-bearing deposits | 30,680,000 | 30,522,000 | 28,627,000 | 32,267,000 |
| Noninterest-bearing deposits | 11,655,000 | 9,960,000 | 10,224,000 | 11,828,000 |
| Equity capital | 8,504,000 | 8,640,000 | 8,769,000 | 8,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 686,000 | 1,379,000 | 2,070,000 | 2,760,000 |
| Interest expense | 116,000 | 231,000 | 341,000 | 461,000 |
| Net interest income | 570,000 | 1,148,000 | 1,729,000 | 2,299,000 |
| Noninterest income | 218,000 | 460,000 | 615,000 | 777,000 |
| Noninterest expense | 523,000 | 1,069,000 | 1,645,000 | 2,179,000 |
| Provision for loan losses | 0 | 0 | 0 | -87,000 |
| Pretax income | 265,000 | 538,000 | 698,000 | 982,000 |
| Income tax | 73,000 | 146,000 | 187,000 | 271,000 |
| Net income | 192,000 | 392,000 | 511,000 | 711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,290,000 | 6,475,000 | 6,654,000 | 6,794,000 |
| Total capital | 6,925,000 | 7,156,000 | 7,289,000 | 7,446,000 |
| Risk-weighted assets | 50,699,000 | 54,346,000 | 50,635,000 | 52,126,000 |