Call reports 2008
PEOPLES INDEPENDENT BANK — 2008
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 161,831,000 | 166,408,000 | 167,034,000 | 165,569,000 |
| Total loans | 103,197,000 | 106,350,000 | 105,488,000 | 104,726,000 |
| Allowance for loan losses | 1,038,000 | 1,026,000 | 947,000 | 1,999,000 |
| Securities available for sale | 49,633,000 | 51,937,000 | 51,867,000 | 51,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,825,000 | 150,316,000 | 152,783,000 | 155,328,000 |
| Interest-bearing deposits | 133,485,000 | 135,292,000 | 136,358,000 | 140,020,000 |
| Noninterest-bearing deposits | 15,340,000 | 15,023,000 | 16,424,000 | 15,308,000 |
| Equity capital | 12,494,000 | 12,376,000 | 11,570,000 | 9,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,818,000 | 5,657,000 | 8,398,000 | 11,076,000 |
| Interest expense | 1,202,000 | 2,275,000 | 3,318,000 | 4,342,000 |
| Net interest income | 1,616,000 | 3,382,000 | 5,080,000 | 6,734,000 |
| Noninterest income | 334,000 | 682,000 | 1,016,000 | 1,352,000 |
| Noninterest expense | 1,556,000 | 2,515,000 | 3,776,000 | 5,163,000 |
| Provision for loan losses | 45,000 | 550,000 | 700,000 | 1,875,000 |
| Pretax income | 349,000 | 999,000 | 1,620,000 | 1,048,000 |
| Income tax | 23,000 | 65,000 | 105,000 | 147,000 |
| Net income | 326,000 | 934,000 | 1,515,000 | 901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,517,000 | 12,125,000 | 12,307,000 | 11,692,000 |
| Total capital | 12,555,000 | 13,151,000 | 13,254,000 | 13,343,000 |
| Risk-weighted assets | 124,694,000 | 130,893,000 | 130,530,000 | 131,751,000 |
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