Call reports 2009
PEOPLES EXCHANGE BANK, INC. — 2009
What PEOPLES EXCHANGE BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 296,403,000 | 299,371,000 | 300,982,000 | 313,635,000 |
| Total loans | 247,611,000 | 250,177,000 | 252,311,000 | 256,218,000 |
| Allowance for loan losses | 2,935,000 | 2,948,000 | 3,002,000 | 3,034,000 |
| Securities available for sale | 16,514,000 | 15,004,000 | 10,273,000 | 9,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,805,000 | 248,809,000 | 254,584,000 | 270,099,000 |
| Interest-bearing deposits | 214,682,000 | 217,629,000 | 222,266,000 | 233,134,000 |
| Noninterest-bearing deposits | 32,123,000 | 31,180,000 | 32,318,000 | 36,965,000 |
| Equity capital | 22,566,000 | 22,866,000 | 23,185,000 | 23,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,011,000 | 8,063,000 | 12,096,000 | 16,124,000 |
| Interest expense | 1,427,000 | 2,886,000 | 4,327,000 | 5,671,000 |
| Net interest income | 2,584,000 | 5,177,000 | 7,769,000 | 10,453,000 |
| Noninterest income | 1,129,000 | 1,962,000 | 3,008,000 | 4,058,000 |
| Noninterest expense | 2,879,000 | 5,814,000 | 8,727,000 | 11,861,000 |
| Provision for loan losses | 127,000 | 437,000 | 643,000 | 887,000 |
| Pretax income | 707,000 | 888,000 | 1,579,000 | 1,938,000 |
| Income tax | 226,000 | 281,000 | 511,000 | 639,000 |
| Net income | 481,000 | 607,000 | 1,068,000 | 1,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,735,000 | 21,100,000 | 21,590,000 | 21,852,000 |
| Total capital | 23,670,000 | 24,048,000 | 24,542,000 | 24,840,000 |
| Risk-weighted assets | 235,478,000 | 236,432,000 | 236,153,000 | 240,733,000 |
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