Call reports 2008
PEOPLES STATE BANK — 2008
What PEOPLES STATE 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 | 45,651,000 | 45,616,000 | 45,561,000 | 46,873,000 |
| Total loans | 30,859,000 | 31,451,000 | 31,936,000 | 31,378,000 |
| Allowance for loan losses | 655,000 | 655,000 | 671,000 | 504,000 |
| Securities available for sale | 10,891,000 | 10,904,000 | 11,026,000 | 10,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,823,000 | 39,668,000 | 38,968,000 | 40,104,000 |
| Interest-bearing deposits | 36,840,000 | 36,892,000 | 35,906,000 | 36,988,000 |
| Noninterest-bearing deposits | 2,983,000 | 2,776,000 | 3,062,000 | 3,116,000 |
| Equity capital | 4,000,000 | 3,828,000 | 3,887,000 | 4,126,000 |
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 | 824,000 | 1,637,000 | 2,491,000 | 3,282,000 |
| Interest expense | 363,000 | 714,000 | 1,056,000 | 1,387,000 |
| Net interest income | 461,000 | 923,000 | 1,435,000 | 1,895,000 |
| Noninterest income | 81,000 | 163,000 | 245,000 | 349,000 |
| Noninterest expense | 246,000 | 501,000 | 769,000 | 989,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 120,000 |
| Pretax income | 281,000 | 555,000 | 645,000 | 907,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 35,000 |
| Net income | 269,000 | 531,000 | 609,000 | 872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,887,000 | 3,924,000 | 3,902,000 | 4,065,000 |
| Total capital | 4,363,000 | 4,412,000 | 4,393,000 | 4,547,000 |
| Risk-weighted assets | 38,007,000 | 38,855,000 | 39,064,000 | 38,560,000 |
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