Call reports 2002
PEOPLES EXCHANGE BANK, INC. — 2002
What PEOPLES EXCHANGE BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 151,721,000 | 159,782,000 | 171,333,000 | 177,712,000 |
| Total loans | 119,099,000 | 128,464,000 | 137,364,000 | 141,385,000 |
| Allowance for loan losses | 1,577,000 | 1,707,000 | 1,725,000 | 1,702,000 |
| Securities available for sale | 16,193,000 | 16,205,000 | 17,730,000 | 17,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,916,000 | 134,986,000 | 144,046,000 | 146,265,000 |
| Interest-bearing deposits | 114,056,000 | 117,824,000 | 128,093,000 | 129,388,000 |
| Noninterest-bearing deposits | 16,860,000 | 17,162,000 | 15,953,000 | 16,877,000 |
| Equity capital | 11,000,000 | 12,037,000 | 12,639,000 | 13,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,675,000 | 5,459,000 | 8,393,000 | 11,480,000 |
| Interest expense | 1,110,000 | 2,167,000 | 3,214,000 | 4,250,000 |
| Net interest income | 1,565,000 | 3,292,000 | 5,179,000 | 7,230,000 |
| Noninterest income | 462,000 | 1,029,000 | 1,778,000 | 2,670,000 |
| Noninterest expense | 1,604,000 | 3,310,000 | 5,243,000 | 7,227,000 |
| Provision for loan losses | 66,000 | 249,000 | 350,000 | 568,000 |
| Pretax income | 357,000 | 762,000 | 1,364,000 | 2,105,000 |
| Income tax | 79,000 | 169,000 | 297,000 | 504,000 |
| Net income | 278,000 | 593,000 | 1,067,000 | 1,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,132,000 | 10,957,000 | 11,315,000 | 11,870,000 |
| Total capital | 11,545,000 | 12,504,000 | 12,933,000 | 13,511,000 |
| Risk-weighted assets | 112,879,000 | 123,560,000 | 129,379,000 | 131,206,000 |
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