Call reports 2008
PEOPLESBANK — 2008
What PEOPLESBANK 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 | 1,394,705,000 | 1,406,423,000 | 1,416,057,000 | 1,436,501,000 |
| Total loans | 1,057,419,000 | 1,084,972,000 | 1,104,112,000 | 1,108,108,000 |
| Allowance for loan losses | 8,881,000 | 8,888,000 | 8,820,000 | 9,078,000 |
| Securities available for sale | 226,812,000 | 217,666,000 | 208,053,000 | 213,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 878,816,000 | 866,481,000 | 833,269,000 | 859,265,000 |
| Interest-bearing deposits | 805,180,000 | 791,890,000 | 760,239,000 | 780,068,000 |
| Noninterest-bearing deposits | 73,636,000 | 74,591,000 | 73,030,000 | 79,197,000 |
| Equity capital | 112,274,000 | 109,927,000 | 110,831,000 | 125,212,000 |
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 | 18,656,000 | 37,002,000 | 55,813,000 | 74,640,000 |
| Interest expense | 11,404,000 | 21,325,000 | 30,834,000 | 39,822,000 |
| Net interest income | 7,252,000 | 15,677,000 | 24,979,000 | 34,818,000 |
| Noninterest income | 1,819,000 | 3,930,000 | 5,714,000 | 7,635,000 |
| Noninterest expense | 7,135,000 | 15,653,000 | 23,236,000 | 31,524,000 |
| Provision for loan losses | -10,000 | 2,000 | 1,000 | 352,000 |
| Pretax income | 1,946,000 | 3,952,000 | 6,463,000 | 9,523,000 |
| Income tax | -43,000 | 499,000 | 1,278,000 | 2,008,000 |
| Net income | 1,989,000 | 3,453,000 | 5,185,000 | 7,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,311,000 | 110,778,000 | 112,514,000 | 124,108,000 |
| Total capital | 118,192,000 | 119,666,000 | 121,334,000 | 133,186,000 |
| Risk-weighted assets | 994,983,000 | 1,022,930,000 | 1,037,499,000 | 1,044,439,000 |