Call reports 2023
PEOPLES INDEPENDENT BANK — 2023
What PEOPLES INDEPENDENT BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 447,090,000 | 449,654,000 | 449,644,000 | 462,683,000 |
| Total loans | 185,575,000 | 182,387,000 | 187,345,000 | 191,908,000 |
| Allowance for loan losses | 1,887,000 | 2,036,000 | 1,956,000 | 1,923,000 |
| Securities available for sale | 172,256,000 | 178,129,000 | 170,700,000 | 166,277,000 |
| Securities held to maturity | 9,250,000 | 9,250,000 | 9,250,000 | 9,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,827,000 | 389,347,000 | 390,993,000 | 387,299,000 |
| Interest-bearing deposits | 309,287,000 | 307,214,000 | 308,365,000 | 304,626,000 |
| Noninterest-bearing deposits | 78,540,000 | 82,133,000 | 82,628,000 | 82,673,000 |
| Equity capital | 27,743,000 | 28,101,000 | 26,062,000 | 31,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,558,000 | 9,850,000 | 15,411,000 | 21,221,000 |
| Interest expense | 912,000 | 2,575,000 | 4,463,000 | 6,490,000 |
| Net interest income | 3,646,000 | 7,275,000 | 10,948,000 | 14,731,000 |
| Noninterest income | 524,000 | 1,108,000 | 1,653,000 | 2,143,000 |
| Noninterest expense | 2,461,000 | 4,771,000 | 7,208,000 | 9,843,000 |
| Provision for loan losses | 20,000 | 170,000 | 210,000 | 370,000 |
| Pretax income | 1,567,000 | 3,318,000 | 5,059,000 | 6,349,000 |
| Income tax | 102,000 | 216,000 | 329,000 | 344,000 |
| Net income | 1,465,000 | 3,102,000 | 4,730,000 | 6,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,955,000 | 38,826,000 | 39,689,000 | 40,198,000 |
| Total capital | 39,842,000 | 40,862,000 | 41,645,000 | 42,121,000 |
| Risk-weighted assets | 281,616,000 | 278,643,000 | 289,902,000 | 290,689,000 |