Call reports 2001
PEOPLES INDEPENDENT BANK — 2001
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 80,545,000 | 84,829,000 | 83,676,000 | 81,969,000 |
| Total loans | 52,608,000 | 52,176,000 | 50,232,000 | 50,776,000 |
| Allowance for loan losses | 699,000 | 701,000 | 572,000 | 709,000 |
| Securities available for sale | 21,747,000 | 24,065,000 | 27,662,000 | 25,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,674,000 | 78,892,000 | 77,359,000 | 76,330,000 |
| Interest-bearing deposits | 67,615,000 | 71,991,000 | 70,807,000 | 69,900,000 |
| Noninterest-bearing deposits | 7,059,000 | 6,901,000 | 6,552,000 | 6,429,000 |
| Equity capital | 5,448,000 | 5,520,000 | 5,788,000 | 5,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,674,000 | 3,386,000 | 5,004,000 | 6,580,000 |
| Interest expense | 932,000 | 1,871,000 | 2,768,000 | 3,583,000 |
| Net interest income | 742,000 | 1,515,000 | 2,236,000 | 2,997,000 |
| Noninterest income | 88,000 | 196,000 | 355,000 | 452,000 |
| Noninterest expense | 475,000 | 976,000 | 1,486,000 | 1,946,000 |
| Provision for loan losses | 450,000 | 659,000 | 1,028,000 | 1,575,000 |
| Pretax income | -95,000 | 76,000 | 77,000 | -72,000 |
| Income tax | -32,000 | 26,000 | 0 | 0 |
| Net income | -63,000 | 50,000 | 77,000 | -72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,077,000 | 5,191,000 | 5,217,000 | 5,068,000 |
| Total capital | 5,776,000 | 5,892,000 | 5,789,000 | 5,753,000 |
| Risk-weighted assets | 56,720,000 | 56,716,000 | 54,333,000 | 54,921,000 |