Call reports 2020
PEOPLES INDEPENDENT BANK — 2020
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 307,417,000 | 343,005,000 | 360,501,000 | 366,547,000 |
| Total loans | 148,477,000 | 169,525,000 | 170,085,000 | 155,441,000 |
| Allowance for loan losses | 1,468,000 | 1,732,000 | 1,727,000 | 1,733,000 |
| Securities available for sale | 112,826,000 | 117,514,000 | 124,633,000 | 133,643,000 |
| Securities held to maturity | 3,000,000 | 4,750,000 | 5,250,000 | 5,750,000 |
| Trading assets | 4,506,000 | 7,207,000 | 7,150,000 | 5,628,000 |
| Total deposits | 269,868,000 | 301,966,000 | 318,026,000 | 323,629,000 |
| Interest-bearing deposits | 220,476,000 | 235,645,000 | 250,071,000 | 256,390,000 |
| Noninterest-bearing deposits | 49,392,000 | 66,321,000 | 67,955,000 | 67,239,000 |
| Equity capital | 34,288,000 | 36,565,000 | 37,819,000 | 39,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,103,000 | 6,186,000 | 9,314,000 | 13,024,000 |
| Interest expense | 517,000 | 933,000 | 1,374,000 | 1,674,000 |
| Net interest income | 2,586,000 | 5,253,000 | 7,940,000 | 11,350,000 |
| Noninterest income | 660,000 | 1,224,000 | 1,876,000 | 2,547,000 |
| Noninterest expense | 2,226,000 | 4,720,000 | 6,941,000 | 9,046,000 |
| Provision for loan losses | 50,000 | 315,000 | 330,000 | 330,000 |
| Pretax income | 982,000 | 1,542,000 | 2,700,000 | 4,689,000 |
| Income tax | 64,000 | 158,000 | 226,000 | 247,000 |
| Net income | 918,000 | 1,384,000 | 2,474,000 | 4,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,892,000 | 29,142,000 | 29,767,000 | 30,840,000 |
| Total capital | 31,360,000 | 30,874,000 | 31,494,000 | 32,573,000 |
| Risk-weighted assets | 207,737,000 | 234,803,000 | 242,399,000 | 234,787,000 |