Call reports 2003
PEOPLES EXCHANGE BANK, INC. — 2003
What PEOPLES EXCHANGE BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 191,165,000 | 196,928,000 | 200,919,000 | 204,688,000 |
| Total loans | 144,835,000 | 147,726,000 | 155,872,000 | 158,997,000 |
| Allowance for loan losses | 1,737,000 | 1,726,000 | 1,840,000 | 1,911,000 |
| Securities available for sale | 9,949,000 | 9,356,000 | 9,874,000 | 9,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,784,000 | 162,086,000 | 165,776,000 | 170,064,000 |
| Interest-bearing deposits | 136,503,000 | 139,287,000 | 144,443,000 | 146,318,000 |
| Noninterest-bearing deposits | 20,281,000 | 22,799,000 | 21,333,000 | 23,746,000 |
| Equity capital | 13,829,000 | 14,160,000 | 14,579,000 | 14,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,958,000 | 5,975,000 | 8,156,000 | 10,906,000 |
| Interest expense | 976,000 | 1,934,000 | 2,859,000 | 3,729,000 |
| Net interest income | 1,982,000 | 4,041,000 | 5,297,000 | 7,177,000 |
| Noninterest income | 734,000 | 1,579,000 | 3,434,000 | 4,423,000 |
| Noninterest expense | 1,934,000 | 4,093,000 | 6,235,000 | 8,572,000 |
| Provision for loan losses | 142,000 | 328,000 | 516,000 | 677,000 |
| Pretax income | 1,627,000 | 2,186,000 | 2,967,000 | 3,338,000 |
| Income tax | 523,000 | 701,000 | 966,000 | 1,037,000 |
| Net income | 1,104,000 | 1,485,000 | 2,001,000 | 2,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,903,000 | 13,235,000 | 13,691,000 | 13,916,000 |
| Total capital | 14,556,000 | 14,914,000 | 15,490,000 | 15,764,000 |
| Risk-weighted assets | 132,153,000 | 134,308,000 | 143,860,000 | 147,990,000 |