Call reports 2005
PEOPLES INDEPENDENT BANK — 2005
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 128,044,000 | 129,665,000 | 128,922,000 | 134,094,000 |
| Total loans | 63,088,000 | 67,483,000 | 69,475,000 | 68,707,000 |
| Allowance for loan losses | 844,000 | 928,000 | 935,000 | 940,000 |
| Securities available for sale | 58,325,000 | 55,047,000 | 50,967,000 | 56,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,652,000 | 115,537,000 | 118,949,000 | 122,893,000 |
| Interest-bearing deposits | 109,558,000 | 105,556,000 | 108,289,000 | 112,992,000 |
| Noninterest-bearing deposits | 9,094,000 | 9,981,000 | 10,660,000 | 9,901,000 |
| Equity capital | 9,039,000 | 9,488,000 | 9,564,000 | 9,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,661,000 | 3,450,000 | 5,299,000 | 7,234,000 |
| Interest expense | 670,000 | 1,420,000 | 2,227,000 | 3,126,000 |
| Net interest income | 991,000 | 2,030,000 | 3,072,000 | 4,108,000 |
| Noninterest income | 161,000 | 379,000 | 601,000 | 860,000 |
| Noninterest expense | 694,000 | 1,481,000 | 2,222,000 | 3,229,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 458,000 | 928,000 | 1,420,000 | 1,708,000 |
| Income tax | 29,000 | 60,000 | 92,000 | 168,000 |
| Net income | 429,000 | 868,000 | 1,328,000 | 1,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,692,000 | 8,933,000 | 9,191,000 | 9,204,000 |
| Total capital | 9,536,000 | 9,861,000 | 10,126,000 | 10,144,000 |
| Risk-weighted assets | 80,476,000 | 83,746,000 | 86,435,000 | 88,395,000 |