Call reports 2010
PEOPLES INDEPENDENT BANK — 2010
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 169,222,000 | 164,946,000 | 164,848,000 | 168,769,000 |
| Total loans | 85,725,000 | 81,613,000 | 82,228,000 | 80,762,000 |
| Allowance for loan losses | 1,271,000 | 1,183,000 | 1,399,000 | 1,173,000 |
| Securities available for sale | 67,090,000 | 64,412,000 | 69,057,000 | 64,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,866,000 | 152,709,000 | 150,528,000 | 154,123,000 |
| Interest-bearing deposits | 142,261,000 | 136,856,000 | 135,126,000 | 139,351,000 |
| Noninterest-bearing deposits | 16,605,000 | 15,853,000 | 15,402,000 | 14,773,000 |
| Equity capital | 9,821,000 | 11,824,000 | 13,791,000 | 14,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,306,000 | 4,589,000 | 6,803,000 | 8,985,000 |
| Interest expense | 795,000 | 1,520,000 | 2,159,000 | 2,734,000 |
| Net interest income | 1,511,000 | 3,069,000 | 4,644,000 | 6,251,000 |
| Noninterest income | 301,000 | 625,000 | 952,000 | 1,284,000 |
| Noninterest expense | 1,544,000 | 2,832,000 | 4,116,000 | 5,395,000 |
| Provision for loan losses | 0 | 65,000 | 365,000 | 565,000 |
| Pretax income | 295,000 | 803,000 | 1,108,000 | 1,230,000 |
| Income tax | 28,000 | 52,000 | 72,000 | 51,000 |
| Net income | 267,000 | 751,000 | 1,036,000 | 1,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,860,000 | 15,144,000 | 15,427,000 | 15,572,000 |
| Total capital | 14,131,000 | 16,327,000 | 16,811,000 | 16,745,000 |
| Risk-weighted assets | 113,374,000 | 110,536,000 | 110,650,000 | 107,459,000 |