Call reports 2008
PEOPLES STATE BANK, THE — 2008
What PEOPLES STATE BANK, THE 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 | 213,239,000 | 217,162,000 | 219,304,000 | 226,092,000 |
| Total loans | 116,427,000 | 118,316,000 | 124,929,000 | 121,959,000 |
| Allowance for loan losses | 1,335,000 | 1,703,000 | 1,951,000 | 2,827,000 |
| Securities available for sale | 81,448,000 | 77,968,000 | 79,037,000 | 89,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,581,000 | 176,411,000 | 179,985,000 | 186,023,000 |
| Interest-bearing deposits | 151,711,000 | 154,987,000 | 159,488,000 | 165,536,000 |
| Noninterest-bearing deposits | 19,870,000 | 21,425,000 | 20,497,000 | 20,487,000 |
| Equity capital | 18,788,000 | 17,260,000 | 17,484,000 | 16,525,000 |
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 | 3,365,000 | 6,496,000 | 9,623,000 | 12,828,000 |
| Interest expense | 1,535,000 | 2,839,000 | 4,134,000 | 5,339,000 |
| Net interest income | 1,830,000 | 3,657,000 | 5,489,000 | 7,489,000 |
| Noninterest income | 441,000 | 940,000 | 1,433,000 | 1,853,000 |
| Noninterest expense | 1,553,000 | 3,172,000 | 4,813,000 | 6,382,000 |
| Provision for loan losses | 605,000 | 1,005,000 | 1,255,000 | 2,345,000 |
| Pretax income | 127,000 | 434,000 | 886,000 | 441,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 127,000 | 434,000 | 886,000 | 441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,860,000 | 17,892,000 | 18,213,000 | 17,506,000 |
| Total capital | 19,195,000 | 19,595,000 | 20,164,000 | 19,665,000 |
| Risk-weighted assets | 169,550,000 | 170,620,000 | 175,347,000 | 172,030,000 |
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