Call reports 2002
PEOPLES INDEPENDENT BANK — 2002
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 85,260,000 | 88,942,000 | 92,924,000 | 94,234,000 |
| Total loans | 51,556,000 | 55,043,000 | 56,918,000 | 56,793,000 |
| Allowance for loan losses | 692,000 | 733,000 | 796,000 | 814,000 |
| Securities available for sale | 28,811,000 | 26,459,000 | 29,333,000 | 31,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,080,000 | 82,485,000 | 86,157,000 | 87,467,000 |
| Interest-bearing deposits | 70,892,000 | 75,485,000 | 77,890,000 | 79,796,000 |
| Noninterest-bearing deposits | 7,189,000 | 7,000,000 | 8,268,000 | 7,671,000 |
| Equity capital | 5,485,000 | 5,888,000 | 6,130,000 | 6,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,449,000 | 2,902,000 | 4,388,000 | 5,802,000 |
| Interest expense | 631,000 | 1,257,000 | 1,903,000 | 2,529,000 |
| Net interest income | 818,000 | 1,645,000 | 2,485,000 | 3,273,000 |
| Noninterest income | 93,000 | 179,000 | 280,000 | 383,000 |
| Noninterest expense | 524,000 | 1,108,000 | 1,668,000 | 2,270,000 |
| Provision for loan losses | 120,000 | 310,000 | 430,000 | 550,000 |
| Pretax income | 267,000 | 459,000 | 720,000 | 889,000 |
| Income tax | 91,000 | 156,000 | 209,000 | 263,000 |
| Net income | 176,000 | 303,000 | 511,000 | 626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,244,000 | 5,370,000 | 5,578,000 | 5,718,000 |
| Total capital | 5,936,000 | 6,103,000 | 6,334,000 | 6,483,000 |
| Risk-weighted assets | 56,306,000 | 59,336,000 | 60,674,000 | 61,122,000 |