Call reports 2004
PEOPLES EXCHANGE BANK, INC. — 2004
What PEOPLES EXCHANGE BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 202,517,000 | 195,689,000 | 206,319,000 | 222,794,000 |
| Total loans | 167,268,000 | 169,935,000 | 181,323,000 | 191,635,000 |
| Allowance for loan losses | 1,952,000 | 2,050,000 | 2,061,000 | 2,197,000 |
| Securities available for sale | 9,564,000 | 4,395,000 | 4,254,000 | 4,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,721,000 | 159,124,000 | 159,480,000 | 177,775,000 |
| Interest-bearing deposits | 143,564,000 | 138,034,000 | 135,884,000 | 152,011,000 |
| Noninterest-bearing deposits | 22,157,000 | 21,090,000 | 23,596,000 | 25,764,000 |
| Equity capital | 14,958,000 | 15,036,000 | 15,570,000 | 16,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,691,000 | 5,498,000 | 8,419,000 | 11,585,000 |
| Interest expense | 800,000 | 1,567,000 | 2,342,000 | 3,237,000 |
| Net interest income | 1,891,000 | 3,931,000 | 6,077,000 | 8,348,000 |
| Noninterest income | 777,000 | 1,741,000 | 2,690,000 | 3,566,000 |
| Noninterest expense | 2,094,000 | 4,238,000 | 6,463,000 | 8,784,000 |
| Provision for loan losses | 37,000 | 168,000 | 323,000 | 630,000 |
| Pretax income | 537,000 | 1,266,000 | 1,981,000 | 2,500,000 |
| Income tax | 183,000 | 425,000 | 646,000 | 799,000 |
| Net income | 354,000 | 841,000 | 1,335,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,891,000 | 14,025,000 | 14,456,000 | 15,434,000 |
| Total capital | 15,791,000 | 15,925,000 | 16,472,000 | 17,572,000 |
| Risk-weighted assets | 152,072,000 | 151,592,000 | 161,228,000 | 170,946,000 |
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