Call reports 2006
PEOPLES INDEPENDENT BANK — 2006
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 130,923,000 | 136,267,000 | 141,284,000 | 143,383,000 |
| Total loans | 66,950,000 | 71,989,000 | 77,870,000 | 82,341,000 |
| Allowance for loan losses | 955,000 | 962,000 | 977,000 | 958,000 |
| Securities available for sale | 56,182,000 | 56,743,000 | 54,313,000 | 51,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,084,000 | 121,077,000 | 124,718,000 | 131,433,000 |
| Interest-bearing deposits | 110,112,000 | 110,243,000 | 112,197,000 | 117,397,000 |
| Noninterest-bearing deposits | 10,972,000 | 10,834,000 | 12,521,000 | 14,036,000 |
| Equity capital | 9,340,000 | 9,024,000 | 10,076,000 | 10,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,981,000 | 4,105,000 | 6,426,000 | 8,831,000 |
| Interest expense | 968,000 | 2,017,000 | 3,235,000 | 4,469,000 |
| Net interest income | 1,013,000 | 2,088,000 | 3,191,000 | 4,362,000 |
| Noninterest income | 221,000 | 442,000 | 705,000 | 1,024,000 |
| Noninterest expense | 782,000 | 1,625,000 | 2,603,000 | 3,732,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 452,000 | 901,000 | 1,289,000 | 1,651,000 |
| Income tax | 30,000 | 59,000 | 84,000 | 60,000 |
| Net income | 422,000 | 842,000 | 1,205,000 | 1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,425,000 | 9,646,000 | 10,008,000 | 10,194,000 |
| Total capital | 10,380,000 | 10,608,000 | 10,985,000 | 11,152,000 |
| Risk-weighted assets | 85,963,000 | 91,985,000 | 97,783,000 | 101,621,000 |