Call reports 2014
PEOPLES EXCHANGE BANK — 2014
What PEOPLES EXCHANGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 64,992,000 | 64,796,000 | 65,542,000 | 66,400,000 |
| Total loans | 40,285,000 | 44,466,000 | 47,201,000 | 46,761,000 |
| Allowance for loan losses | 693,000 | 693,000 | 588,000 | 585,000 |
| Securities available for sale | 6,544,000 | 5,496,000 | 4,922,000 | 5,376,000 |
| Securities held to maturity | 7,433,000 | 7,415,000 | 7,120,000 | 6,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,047,000 | 41,028,000 | 40,862,000 | 45,465,000 |
| Interest-bearing deposits | 31,524,000 | 30,314,000 | 29,945,000 | 33,533,000 |
| Noninterest-bearing deposits | 12,523,000 | 10,714,000 | 10,917,000 | 11,932,000 |
| Equity capital | 8,978,000 | 9,113,000 | 9,520,000 | 9,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 644,000 | 1,339,000 | 2,271,000 | 2,977,000 |
| Interest expense | 108,000 | 212,000 | 317,000 | 421,000 |
| Net interest income | 536,000 | 1,127,000 | 1,954,000 | 2,556,000 |
| Noninterest income | 139,000 | 307,000 | 567,000 | 770,000 |
| Noninterest expense | 551,000 | 1,105,000 | 1,655,000 | 2,235,000 |
| Provision for loan losses | 0 | 0 | -100,000 | -100,000 |
| Pretax income | 124,000 | 329,000 | 966,000 | 1,191,000 |
| Income tax | 31,000 | 81,000 | 293,000 | 353,000 |
| Net income | 93,000 | 248,000 | 673,000 | 838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,805,000 | 6,942,000 | 7,349,000 | 7,379,000 |
| Total capital | 7,425,000 | 7,596,000 | 7,937,000 | 7,964,000 |
| Risk-weighted assets | 49,561,000 | 52,360,000 | 54,708,000 | 55,028,000 |
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