Call reports 2011
PEOPLES INDEPENDENT BANK — 2011
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 166,000,000 | 169,097,000 | 168,807,000 | 171,357,000 |
| Total loans | 79,830,000 | 82,382,000 | 81,249,000 | 78,187,000 |
| Allowance for loan losses | 1,212,000 | 1,213,000 | 1,539,000 | 595,000 |
| Securities available for sale | 59,148,000 | 58,377,000 | 58,038,000 | 67,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,002,000 | 152,089,000 | 152,180,000 | 154,664,000 |
| Interest-bearing deposits | 133,950,000 | 134,885,000 | 134,195,000 | 138,690,000 |
| Noninterest-bearing deposits | 16,052,000 | 17,204,000 | 17,985,000 | 15,974,000 |
| Equity capital | 15,543,000 | 16,515,000 | 16,025,000 | 16,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,975,000 | 4,026,000 | 6,060,000 | 8,113,000 |
| Interest expense | 517,000 | 972,000 | 1,417,000 | 1,858,000 |
| Net interest income | 1,458,000 | 3,054,000 | 4,643,000 | 6,255,000 |
| Noninterest income | 303,000 | 629,000 | 988,000 | 1,307,000 |
| Noninterest expense | 1,281,000 | 2,561,000 | 3,822,000 | 5,033,000 |
| Provision for loan losses | 125,000 | 175,000 | 500,000 | 700,000 |
| Pretax income | 579,000 | 1,070,000 | 1,328,000 | 1,635,000 |
| Income tax | 39,000 | 69,000 | 86,000 | 33,000 |
| Net income | 540,000 | 1,001,000 | 1,242,000 | 1,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,112,000 | 16,573,000 | 16,814,000 | 16,744,000 |
| Total capital | 17,324,000 | 17,786,000 | 18,167,000 | 17,339,000 |
| Risk-weighted assets | 102,261,000 | 106,043,000 | 107,317,000 | 104,343,000 |