Call reports 2007
PEOPLES INDEPENDENT BANK — 2007
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 145,446,000 | 144,969,000 | 150,829,000 | 156,833,000 |
| Total loans | 89,321,000 | 89,680,000 | 94,401,000 | 101,598,000 |
| Allowance for loan losses | 990,000 | 1,003,000 | 994,000 | 990,000 |
| Securities available for sale | 47,344,000 | 45,779,000 | 47,391,000 | 46,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,042,000 | 134,259,000 | 138,182,000 | 139,708,000 |
| Interest-bearing deposits | 118,570,000 | 120,838,000 | 123,865,000 | 126,066,000 |
| Noninterest-bearing deposits | 14,473,000 | 13,421,000 | 14,317,000 | 13,643,000 |
| Equity capital | 10,638,000 | 10,282,000 | 10,811,000 | 11,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,504,000 | 5,028,000 | 7,667,000 | 10,421,000 |
| Interest expense | 1,220,000 | 2,484,000 | 3,796,000 | 5,075,000 |
| Net interest income | 1,284,000 | 2,544,000 | 3,871,000 | 5,346,000 |
| Noninterest income | 251,000 | 621,000 | 979,000 | 1,335,000 |
| Noninterest expense | 1,099,000 | 2,207,000 | 3,357,000 | 4,480,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 450,000 | 972,000 | 1,507,000 | 2,212,000 |
| Income tax | 29,000 | 63,000 | 98,000 | 115,000 |
| Net income | 421,000 | 909,000 | 1,409,000 | 2,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,366,000 | 10,553,000 | 10,604,000 | 11,192,000 |
| Total capital | 11,356,000 | 11,556,000 | 11,598,000 | 12,182,000 |
| Risk-weighted assets | 104,041,000 | 105,727,000 | 111,948,000 | 120,919,000 |