Call reports 2004
PEOPLES INDEPENDENT BANK — 2004
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 119,249,000 | 119,348,000 | 123,427,000 | 125,040,000 |
| Total loans | 58,895,000 | 59,575,000 | 60,726,000 | 60,975,000 |
| Allowance for loan losses | 823,000 | 747,000 | 800,000 | 817,000 |
| Securities available for sale | 52,764,000 | 51,721,000 | 50,568,000 | 53,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,827,000 | 110,630,000 | 113,814,000 | 115,473,000 |
| Interest-bearing deposits | 99,469,000 | 101,749,000 | 104,521,000 | 104,764,000 |
| Noninterest-bearing deposits | 9,358,000 | 8,881,000 | 9,293,000 | 10,708,000 |
| Equity capital | 8,625,000 | 8,423,000 | 8,986,000 | 9,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,448,000 | 2,847,000 | 4,310,000 | 5,875,000 |
| Interest expense | 502,000 | 994,000 | 1,518,000 | 2,121,000 |
| Net interest income | 946,000 | 1,853,000 | 2,792,000 | 3,754,000 |
| Noninterest income | 102,000 | 213,000 | 352,000 | 540,000 |
| Noninterest expense | 675,000 | 1,335,000 | 1,995,000 | 2,644,000 |
| Provision for loan losses | 3,000 | 8,000 | 303,000 | 303,000 |
| Pretax income | 370,000 | 739,000 | 862,000 | 1,375,000 |
| Income tax | 126,000 | 251,000 | 241,000 | 684,000 |
| Net income | 244,000 | 488,000 | 621,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,018,000 | 8,261,000 | 8,393,000 | 8,463,000 |
| Total capital | 8,841,000 | 9,008,000 | 9,193,000 | 9,280,000 |
| Risk-weighted assets | 69,717,000 | 71,476,000 | 74,832,000 | 75,609,000 |