Call reports 2014
PEOPLES INDEPENDENT BANK — 2014
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 186,143,000 | 185,879,000 | 185,864,000 | 186,582,000 |
| Total loans | 92,849,000 | 93,261,000 | 88,588,000 | 87,063,000 |
| Allowance for loan losses | 835,000 | 923,000 | 948,000 | 849,000 |
| Securities available for sale | 70,872,000 | 69,015,000 | 72,480,000 | 71,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,527,000 | 165,518,000 | 165,106,000 | 166,192,000 |
| Interest-bearing deposits | 142,393,000 | 142,542,000 | 141,997,000 | 142,067,000 |
| Noninterest-bearing deposits | 24,134,000 | 22,975,000 | 23,110,000 | 24,125,000 |
| Equity capital | 19,207,000 | 19,787,000 | 20,165,000 | 19,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,971,000 | 3,994,000 | 5,992,000 | 7,942,000 |
| Interest expense | 242,000 | 483,000 | 726,000 | 970,000 |
| Net interest income | 1,729,000 | 3,511,000 | 5,266,000 | 6,972,000 |
| Noninterest income | 313,000 | 686,000 | 985,000 | 1,257,000 |
| Noninterest expense | 1,367,000 | 2,720,000 | 4,070,000 | 5,451,000 |
| Provision for loan losses | 60,000 | 150,000 | 180,000 | 210,000 |
| Pretax income | 543,000 | 1,190,000 | 1,779,000 | 2,391,000 |
| Income tax | 35,000 | 78,000 | 116,000 | 79,000 |
| Net income | 508,000 | 1,112,000 | 1,663,000 | 2,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,537,000 | 17,742,000 | 17,892,000 | 17,942,000 |
| Total capital | 18,372,000 | 18,665,000 | 18,840,000 | 18,791,000 |
| Risk-weighted assets | 119,196,000 | 123,441,000 | 113,074,000 | 125,209,000 |