Call reports 2013
PEOPLES INDEPENDENT BANK — 2013
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 181,798,000 | 182,857,000 | 183,334,000 | 181,438,000 |
| Total loans | 82,123,000 | 88,302,000 | 91,429,000 | 88,805,000 |
| Allowance for loan losses | 938,000 | 949,000 | 994,000 | 1,058,000 |
| Securities available for sale | 72,116,000 | 69,046,000 | 66,109,000 | 68,063,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,183,000 | 163,350,000 | 164,500,000 | 162,404,000 |
| Interest-bearing deposits | 141,521,000 | 142,623,000 | 143,785,000 | 141,395,000 |
| Noninterest-bearing deposits | 20,662,000 | 20,727,000 | 20,715,000 | 21,009,000 |
| Equity capital | 19,011,000 | 18,859,000 | 18,060,000 | 18,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,861,000 | 3,765,000 | 5,746,000 | 7,736,000 |
| Interest expense | 333,000 | 669,000 | 1,002,000 | 1,257,000 |
| Net interest income | 1,528,000 | 3,096,000 | 4,744,000 | 6,479,000 |
| Noninterest income | 346,000 | 684,000 | 1,026,000 | 1,345,000 |
| Noninterest expense | 1,207,000 | 2,428,000 | 3,642,000 | 5,031,000 |
| Provision for loan losses | 45,000 | 90,000 | 113,000 | 127,000 |
| Pretax income | 489,000 | 1,014,000 | 1,537,000 | 2,094,000 |
| Income tax | 32,000 | 66,000 | 100,000 | 122,000 |
| Net income | 457,000 | 948,000 | 1,437,000 | 1,972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,915,000 | 17,105,000 | 17,294,000 | 17,329,000 |
| Total capital | 17,853,000 | 18,054,000 | 18,288,000 | 18,387,000 |
| Risk-weighted assets | 110,738,000 | 116,787,000 | 120,715,000 | 119,973,000 |