Call reports 2008
PEOPLES STATE BANK OF MUNISING — 2008
What PEOPLES STATE BANK OF MUNISING 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 | 113,376,000 | 112,505,000 | 110,292,000 | 111,387,000 |
| Total loans | 78,004,000 | 78,175,000 | 78,097,000 | 77,209,000 |
| Allowance for loan losses | 951,000 | 959,000 | 924,000 | 963,000 |
| Securities available for sale | 22,421,000 | 22,615,000 | 21,689,000 | 20,905,000 |
| Securities held to maturity | 306,000 | 285,000 | 285,000 | 285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,124,000 | 86,301,000 | 85,001,000 | 84,125,000 |
| Interest-bearing deposits | 77,311,000 | 75,525,000 | 74,387,000 | 73,266,000 |
| Noninterest-bearing deposits | 8,813,000 | 10,776,000 | 10,614,000 | 10,859,000 |
| Equity capital | 12,342,000 | 12,266,000 | 12,233,000 | 12,691,000 |
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 | 1,804,000 | 3,595,000 | 5,362,000 | 7,066,000 |
| Interest expense | 777,000 | 1,511,000 | 2,170,000 | 2,773,000 |
| Net interest income | 1,027,000 | 2,084,000 | 3,192,000 | 4,293,000 |
| Noninterest income | 139,000 | 477,000 | 238,000 | 389,000 |
| Noninterest expense | 985,000 | 2,099,000 | 2,587,000 | 3,347,000 |
| Provision for loan losses | 68,000 | 128,000 | 203,000 | 278,000 |
| Pretax income | 113,000 | 351,000 | 460,000 | 627,000 |
| Income tax | -25,000 | -6,000 | 200,000 | -125,000 |
| Net income | 138,000 | 357,000 | 260,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,668,000 | 11,888,000 | 11,790,000 | 12,143,000 |
| Total capital | 12,619,000 | 12,847,000 | 12,714,000 | 13,106,000 |
| Risk-weighted assets | 84,028,000 | 83,401,000 | 81,701,000 | 81,563,000 |
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