Call reports 2012
PEOPLES INDEPENDENT BANK — 2012
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 179,413,000 | 177,872,000 | 177,999,000 | 176,668,000 |
| Total loans | 81,217,000 | 83,207,000 | 84,708,000 | 82,201,000 |
| Allowance for loan losses | 756,000 | 782,000 | 842,000 | 877,000 |
| Securities available for sale | 64,916,000 | 69,157,000 | 66,981,000 | 66,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,265,000 | 159,985,000 | 159,225,000 | 157,464,000 |
| Interest-bearing deposits | 142,698,000 | 141,223,000 | 139,737,000 | 138,557,000 |
| Noninterest-bearing deposits | 19,566,000 | 18,762,000 | 19,488,000 | 18,907,000 |
| Equity capital | 16,591,000 | 17,270,000 | 17,962,000 | 18,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,052,000 | 4,129,000 | 6,210,000 | 8,204,000 |
| Interest expense | 440,000 | 884,000 | 1,246,000 | 1,596,000 |
| Net interest income | 1,612,000 | 3,245,000 | 4,964,000 | 6,608,000 |
| Noninterest income | 329,000 | 681,000 | 1,250,000 | 1,680,000 |
| Noninterest expense | 1,226,000 | 2,436,000 | 3,720,000 | 4,866,000 |
| Provision for loan losses | 150,000 | 300,000 | 428,000 | 503,000 |
| Pretax income | 409,000 | 937,000 | 1,673,000 | 2,335,000 |
| Income tax | 27,000 | 61,000 | 109,000 | 136,000 |
| Net income | 382,000 | 876,000 | 1,564,000 | 2,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,126,000 | 17,235,000 | 17,473,000 | 17,007,000 |
| Total capital | 17,882,000 | 18,017,000 | 18,315,000 | 17,884,000 |
| Risk-weighted assets | 109,730,000 | 110,476,000 | 112,655,000 | 110,796,000 |