Call reports 2007
PEOPLES EXCHANGE BANK, INC. — 2007
What PEOPLES EXCHANGE BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 258,322,000 | 257,073,000 | 261,382,000 | 267,080,000 |
| Total loans | 202,580,000 | 207,986,000 | 214,389,000 | 209,309,000 |
| Allowance for loan losses | 2,460,000 | 2,448,000 | 2,575,000 | 2,514,000 |
| Securities available for sale | 19,156,000 | 19,091,000 | 19,633,000 | 18,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,940,000 | 209,278,000 | 212,677,000 | 221,352,000 |
| Interest-bearing deposits | 182,224,000 | 180,728,000 | 184,437,000 | 193,756,000 |
| Noninterest-bearing deposits | 29,716,000 | 28,550,000 | 28,240,000 | 27,596,000 |
| Equity capital | 20,101,000 | 19,926,000 | 20,617,000 | 21,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,362,000 | 8,870,000 | 13,494,000 | 18,127,000 |
| Interest expense | 2,025,000 | 4,107,000 | 6,230,000 | 8,368,000 |
| Net interest income | 2,337,000 | 4,763,000 | 7,264,000 | 9,759,000 |
| Noninterest income | 902,000 | 1,705,000 | 2,579,000 | 3,401,000 |
| Noninterest expense | 2,229,000 | 4,439,000 | 6,708,000 | 8,865,000 |
| Provision for loan losses | 47,000 | 87,000 | 164,000 | 260,000 |
| Pretax income | 976,000 | 1,961,000 | 2,991,000 | 4,055,000 |
| Income tax | 328,000 | 653,000 | 994,000 | 1,346,000 |
| Net income | 648,000 | 1,308,000 | 1,997,000 | 2,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,145,000 | 19,150,000 | 19,654,000 | 20,379,000 |
| Total capital | 21,514,000 | 21,579,000 | 22,165,000 | 22,893,000 |
| Risk-weighted assets | 189,446,000 | 194,283,000 | 200,730,000 | 201,944,000 |
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