Call reports 2008
PEOPLESSOUTH BANK — 2008
What PEOPLESSOUTH 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 | 463,311,000 | 482,688,000 | 509,412,000 | 513,369,000 |
| Total loans | 358,252,000 | 384,001,000 | 400,988,000 | 389,555,000 |
| Allowance for loan losses | 5,471,000 | 5,559,000 | 5,583,000 | 4,328,000 |
| Securities available for sale | 77,526,000 | 68,024,000 | 69,259,000 | 76,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,704,000 | 397,428,000 | 403,354,000 | 395,166,000 |
| Interest-bearing deposits | 362,457,000 | 359,174,000 | 364,722,000 | 354,583,000 |
| Noninterest-bearing deposits | 36,247,000 | 38,254,000 | 38,632,000 | 40,583,000 |
| Equity capital | 42,478,000 | 41,826,000 | 42,997,000 | 43,642,000 |
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 | 7,862,000 | 15,447,000 | 23,143,000 | 30,559,000 |
| Interest expense | 3,649,000 | 6,887,000 | 10,362,000 | 13,695,000 |
| Net interest income | 4,213,000 | 8,560,000 | 12,781,000 | 16,864,000 |
| Noninterest income | 503,000 | 1,248,000 | 1,773,000 | 2,314,000 |
| Noninterest expense | 2,702,000 | 5,399,000 | 8,023,000 | 12,107,000 |
| Provision for loan losses | 0 | 55,000 | 130,000 | 0 |
| Pretax income | 2,096,000 | 4,438,000 | 6,488,000 | 7,183,000 |
| Income tax | 709,000 | 1,563,000 | 2,278,000 | 2,916,000 |
| Net income | 1,387,000 | 2,875,000 | 4,210,000 | 4,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,955,000 | 42,178,000 | 43,384,000 | 43,128,000 |
| Total capital | 46,614,000 | 47,095,000 | 48,525,000 | 47,456,000 |
| Risk-weighted assets | 371,931,000 | 392,680,000 | 410,850,000 | 409,379,000 |
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