Call reports 2008
PERSONS BANKING COMPANY — 2008
What PERSONS BANKING COMPANY 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 | 81,058,000 | 79,452,000 | 78,948,000 | 80,643,000 |
| Total loans | 62,697,000 | 60,375,000 | 59,643,000 | 57,248,000 |
| Allowance for loan losses | 993,000 | 903,000 | 689,000 | 756,000 |
| Securities available for sale | 9,720,000 | 9,258,000 | 9,028,000 | 9,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,903,000 | 69,139,000 | 69,051,000 | 69,862,000 |
| Interest-bearing deposits | 59,722,000 | 59,595,000 | 60,069,000 | 61,647,000 |
| Noninterest-bearing deposits | 10,181,000 | 9,544,000 | 8,982,000 | 8,215,000 |
| Equity capital | 10,699,000 | 9,815,000 | 9,370,000 | 9,355,000 |
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 | 1,337,000 | 2,528,000 | 3,587,000 | 4,572,000 |
| Interest expense | 492,000 | 901,000 | 1,280,000 | 1,647,000 |
| Net interest income | 845,000 | 1,627,000 | 2,307,000 | 2,925,000 |
| Noninterest income | 160,000 | 338,000 | 531,000 | 698,000 |
| Noninterest expense | 598,000 | 1,195,000 | 1,788,000 | 2,299,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 320,000 |
| Pretax income | 464,000 | 853,000 | 1,113,000 | 1,088,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 464,000 | 853,000 | 1,113,000 | 1,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,782,000 | 6,196,000 | 5,806,000 | 5,781,000 |
| Total capital | 7,575,000 | 6,946,000 | 6,495,000 | 6,518,000 |
| Risk-weighted assets | 63,248,000 | 59,837,000 | 59,390,000 | 58,977,000 |
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