Call reports 2015
PEOPLES INDEPENDENT BANK — 2015
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 194,322,000 | 195,458,000 | 198,661,000 | 200,779,000 |
| Total loans | 87,185,000 | 90,536,000 | 93,911,000 | 100,495,000 |
| Allowance for loan losses | 882,000 | 863,000 | 894,000 | 950,000 |
| Securities available for sale | 77,219,000 | 77,668,000 | 77,366,000 | 79,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,687,000 | 175,299,000 | 177,955,000 | 178,180,000 |
| Interest-bearing deposits | 145,930,000 | 147,164,000 | 148,123,000 | 146,891,000 |
| Noninterest-bearing deposits | 27,758,000 | 28,135,000 | 29,832,000 | 31,290,000 |
| Equity capital | 20,132,000 | 19,591,000 | 20,088,000 | 20,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,855,000 | 3,778,000 | 5,761,000 | 7,970,000 |
| Interest expense | 243,000 | 492,000 | 744,000 | 995,000 |
| Net interest income | 1,612,000 | 3,286,000 | 5,017,000 | 6,975,000 |
| Noninterest income | 327,000 | 625,000 | 941,000 | 1,302,000 |
| Noninterest expense | 1,419,000 | 2,795,000 | 4,152,000 | 5,702,000 |
| Provision for loan losses | 45,000 | 90,000 | 140,000 | 300,000 |
| Pretax income | 476,000 | 1,033,000 | 1,653,000 | 2,239,000 |
| Income tax | 31,000 | 67,000 | 107,000 | 87,000 |
| Net income | 445,000 | 966,000 | 1,546,000 | 2,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,087,000 | 18,258,000 | 18,388,000 | 18,343,000 |
| Total capital | 18,969,000 | 19,121,000 | 19,282,000 | 19,293,000 |
| Risk-weighted assets | 124,023,000 | 125,002,000 | 131,965,000 | 141,195,000 |