Call reports 2009
PEOPLES INDEPENDENT BANK — 2009
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 167,583,000 | 173,102,000 | 178,243,000 | 169,102,000 |
| Total loans | 102,822,000 | 100,768,000 | 96,309,000 | 89,958,000 |
| Allowance for loan losses | 2,057,000 | 1,125,000 | 749,000 | 1,326,000 |
| Securities available for sale | 48,904,000 | 58,412,000 | 63,865,000 | 67,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,965,000 | 160,217,000 | 162,809,000 | 159,966,000 |
| Interest-bearing deposits | 142,735,000 | 144,963,000 | 148,082,000 | 144,378,000 |
| Noninterest-bearing deposits | 15,230,000 | 15,254,000 | 14,727,000 | 15,588,000 |
| Equity capital | 8,972,000 | 12,332,000 | 14,786,000 | 8,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,575,000 | 5,218,000 | 7,763,000 | 10,170,000 |
| Interest expense | 919,000 | 1,809,000 | 2,713,000 | 3,593,000 |
| Net interest income | 1,656,000 | 3,409,000 | 5,050,000 | 6,577,000 |
| Noninterest income | 353,000 | 730,000 | 1,094,000 | 1,501,000 |
| Noninterest expense | 1,297,000 | 2,623,000 | 3,894,000 | 5,170,000 |
| Provision for loan losses | 182,000 | 337,000 | 817,000 | 2,273,000 |
| Pretax income | 530,000 | 1,179,000 | 1,866,000 | 1,339,000 |
| Income tax | 34,000 | 77,000 | 121,000 | 13,000 |
| Net income | 496,000 | 1,102,000 | 1,745,000 | 1,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,087,000 | 12,519,000 | 13,012,000 | 12,592,000 |
| Total capital | 13,749,000 | 13,644,000 | 13,761,000 | 13,918,000 |
| Risk-weighted assets | 132,537,000 | 133,077,000 | 123,269,000 | 114,917,000 |