Call reports 2008
PEOPLES SAVINGS BANK — 2008
What PEOPLES SAVINGS BANK 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 | 53,736,000 | 57,475,000 | 57,911,000 | 58,465,000 |
| Total loans | 51,328,000 | 50,871,000 | 51,777,000 | 51,960,000 |
| Allowance for loan losses | 566,000 | 538,000 | 649,000 | 594,000 |
| Securities available for sale | 346,000 | 3,999,000 | 3,800,000 | 3,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,062,000 | 47,034,000 | 46,209,000 | 46,571,000 |
| Interest-bearing deposits | 41,609,000 | 43,525,000 | 43,224,000 | 41,561,000 |
| Noninterest-bearing deposits | 2,453,000 | 3,509,000 | 2,985,000 | 5,010,000 |
| Equity capital | 4,642,000 | 4,701,000 | 4,767,000 | 4,917,000 |
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 | 941,000 | 1,847,000 | 2,756,000 | 3,636,000 |
| Interest expense | 422,000 | 812,000 | 1,197,000 | 1,545,000 |
| Net interest income | 519,000 | 1,035,000 | 1,559,000 | 2,091,000 |
| Noninterest income | 38,000 | 78,000 | 119,000 | 172,000 |
| Noninterest expense | 259,000 | 519,000 | 769,000 | 1,062,000 |
| Provision for loan losses | 15,000 | 35,000 | 165,000 | 195,000 |
| Pretax income | 283,000 | 559,000 | 744,000 | 1,006,000 |
| Income tax | 14,000 | 28,000 | 37,000 | 53,000 |
| Net income | 269,000 | 531,000 | 707,000 | 953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,644,000 | 4,703,000 | 4,760,000 | 4,888,000 |
| Total capital | 5,210,000 | 5,241,000 | 5,371,000 | 5,482,000 |
| Risk-weighted assets | 48,240,000 | 47,398,000 | 48,865,000 | 48,422,000 |
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