Call reports 2015
PEOPLES EXCHANGE BANK — 2015
What PEOPLES EXCHANGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 65,977,000 | 64,328,000 | 62,320,000 | 63,528,000 |
| Total loans | 42,409,000 | 42,765,000 | 42,776,000 | 41,705,000 |
| Allowance for loan losses | 564,000 | 599,000 | 588,000 | 599,000 |
| Securities available for sale | 4,759,000 | 5,463,000 | 3,926,000 | 7,011,000 |
| Securities held to maturity | 6,638,000 | 6,606,000 | 5,983,000 | 6,087,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,271,000 | 43,500,000 | 42,159,000 | 44,884,000 |
| Interest-bearing deposits | 32,025,000 | 31,237,000 | 29,620,000 | 29,745,000 |
| Noninterest-bearing deposits | 13,246,000 | 12,263,000 | 12,539,000 | 15,139,000 |
| Equity capital | 9,396,000 | 9,511,000 | 8,698,000 | 8,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 648,000 | 1,366,000 | 2,052,000 | 2,713,000 |
| Interest expense | 100,000 | 202,000 | 301,000 | 396,000 |
| Net interest income | 548,000 | 1,164,000 | 1,751,000 | 2,317,000 |
| Noninterest income | 141,000 | 337,000 | 536,000 | 704,000 |
| Noninterest expense | 511,000 | 1,043,000 | 1,541,000 | 2,114,000 |
| Provision for loan losses | 20,000 | 55,000 | 85,000 | 95,000 |
| Pretax income | 158,000 | 403,000 | 661,000 | 812,000 |
| Income tax | 49,000 | 117,000 | 188,000 | 221,000 |
| Net income | 109,000 | 286,000 | 473,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,228,000 | 7,369,000 | 6,533,000 | 6,657,000 |
| Total capital | 7,792,000 | 7,968,000 | 7,121,000 | 7,256,000 |
| Risk-weighted assets | 52,191,000 | 53,203,000 | 51,509,000 | 52,855,000 |