Call reports 2015
PEOPLES EXCHANGE BANK, INC. — 2015
What PEOPLES EXCHANGE BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 340,736,000 | 334,991,000 | 334,928,000 | 339,059,000 |
| Total loans | 279,303,000 | 280,168,000 | 278,830,000 | 288,436,000 |
| Allowance for loan losses | 3,404,000 | 3,421,000 | 3,465,000 | 3,559,000 |
| Securities available for sale | 8,780,000 | 10,135,000 | 9,565,000 | 9,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,936,000 | 271,852,000 | 263,961,000 | 273,620,000 |
| Interest-bearing deposits | 223,107,000 | 215,822,000 | 208,996,000 | 215,360,000 |
| Noninterest-bearing deposits | 53,829,000 | 56,030,000 | 54,965,000 | 58,260,000 |
| Equity capital | 31,640,000 | 31,888,000 | 31,878,000 | 32,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,465,000 | 6,993,000 | 10,474,000 | 14,024,000 |
| Interest expense | 314,000 | 626,000 | 929,000 | 1,241,000 |
| Net interest income | 3,151,000 | 6,367,000 | 9,545,000 | 12,783,000 |
| Noninterest income | 681,000 | 1,465,000 | 2,305,000 | 3,080,000 |
| Noninterest expense | 3,023,000 | 6,052,000 | 9,053,000 | 12,069,000 |
| Provision for loan losses | 85,000 | 200,000 | 300,000 | 444,000 |
| Pretax income | 724,000 | 1,580,000 | 2,497,000 | 3,350,000 |
| Income tax | 206,000 | 465,000 | 754,000 | 1,001,000 |
| Net income | 518,000 | 1,115,000 | 1,743,000 | 2,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,053,000 | 31,327,000 | 31,309,000 | 31,592,000 |
| Total capital | 34,211,000 | 34,542,000 | 34,500,000 | 34,853,000 |
| Risk-weighted assets | 252,452,000 | 257,006,000 | 255,008,000 | 260,573,000 |