Call reports 2008
PEOPLES EXCHANGE BANK, INC. — 2008
What PEOPLES EXCHANGE BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 273,003,000 | 268,755,000 | 271,102,000 | 272,520,000 |
| Total loans | 209,049,000 | 211,292,000 | 219,445,000 | 226,351,000 |
| Allowance for loan losses | 2,510,000 | 2,328,000 | 2,635,000 | 2,711,000 |
| Securities available for sale | 18,267,000 | 18,903,000 | 18,381,000 | 18,518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,056,000 | 221,752,000 | 216,311,000 | 223,655,000 |
| Interest-bearing deposits | 197,143,000 | 192,554,000 | 182,684,000 | 192,786,000 |
| Noninterest-bearing deposits | 28,913,000 | 29,198,000 | 33,627,000 | 30,869,000 |
| Equity capital | 21,837,000 | 22,044,000 | 21,974,000 | 22,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,365,000 | 8,437,000 | 12,491,000 | 16,497,000 |
| Interest expense | 1,956,000 | 3,656,000 | 5,213,000 | 6,687,000 |
| Net interest income | 2,409,000 | 4,781,000 | 7,278,000 | 9,810,000 |
| Noninterest income | 883,000 | 1,737,000 | 2,622,000 | 3,530,000 |
| Noninterest expense | 2,341,000 | 4,620,000 | 7,115,000 | 9,789,000 |
| Provision for loan losses | 117,000 | 229,000 | 684,000 | 948,000 |
| Pretax income | 845,000 | 1,680,000 | 2,112,000 | 2,614,000 |
| Income tax | 282,000 | 561,000 | 703,000 | 897,000 |
| Net income | 563,000 | 1,119,000 | 1,409,000 | 1,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,457,000 | 21,027,000 | 20,828,000 | 21,046,000 |
| Total capital | 22,967,000 | 23,355,000 | 23,463,000 | 23,757,000 |
| Risk-weighted assets | 203,405,000 | 206,339,000 | 212,453,000 | 216,963,000 |
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