Call reports 2016
PEOPLES INDEPENDENT BANK — 2016
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 202,859,000 | 203,056,000 | 206,763,000 | 207,729,000 |
| Total loans | 98,680,000 | 100,273,000 | 100,428,000 | 95,601,000 |
| Allowance for loan losses | 949,000 | 999,000 | 1,052,000 | 1,100,000 |
| Securities available for sale | 78,011,000 | 75,741,000 | 74,930,000 | 76,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,114,000 | 180,888,000 | 184,897,000 | 188,192,000 |
| Interest-bearing deposits | 149,269,000 | 148,091,000 | 151,452,000 | 156,393,000 |
| Noninterest-bearing deposits | 32,845,000 | 32,798,000 | 33,445,000 | 31,799,000 |
| Equity capital | 20,242,000 | 21,496,000 | 21,097,000 | 19,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,066,000 | 4,146,000 | 6,287,000 | 8,288,000 |
| Interest expense | 263,000 | 529,000 | 799,000 | 1,073,000 |
| Net interest income | 1,803,000 | 3,617,000 | 5,488,000 | 7,215,000 |
| Noninterest income | 383,000 | 725,000 | 1,158,000 | 1,565,000 |
| Noninterest expense | 1,517,000 | 3,013,000 | 4,460,000 | 5,901,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 210,000 |
| Pretax income | 616,000 | 1,419,000 | 2,222,000 | 2,879,000 |
| Income tax | 40,000 | 92,000 | 144,000 | 112,000 |
| Net income | 576,000 | 1,327,000 | 2,078,000 | 2,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,420,000 | 18,421,000 | 18,471,000 | 18,660,000 |
| Total capital | 19,369,000 | 19,420,000 | 19,523,000 | 19,760,000 |
| Risk-weighted assets | 134,924,000 | 134,693,000 | 135,963,000 | 135,659,000 |