Call reports 2008
PEOPLES BANK — 2008
What PEOPLES 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 | 53,286,000 | 50,827,000 | 48,504,000 | 52,813,000 |
| Total loans | 33,359,000 | 31,593,000 | 32,639,000 | 32,356,000 |
| Allowance for loan losses | 584,000 | 679,000 | 714,000 | 745,000 |
| Securities available for sale | 1,256,000 | 1,199,000 | 336,000 | 0 |
| Securities held to maturity | 5,552,000 | 8,249,000 | 9,178,000 | 8,855,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,412,000 | 42,959,000 | 39,931,000 | 46,149,000 |
| Interest-bearing deposits | 40,755,000 | 38,258,000 | 34,956,000 | 41,402,000 |
| Noninterest-bearing deposits | 5,657,000 | 4,701,000 | 4,975,000 | 4,747,000 |
| Equity capital | 4,546,000 | 4,411,000 | 4,626,000 | 4,570,000 |
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 | 849,000 | 1,627,000 | 2,292,000 | 2,924,000 |
| Interest expense | 360,000 | 648,000 | 894,000 | 1,156,000 |
| Net interest income | 489,000 | 979,000 | 1,398,000 | 1,768,000 |
| Noninterest income | 63,000 | 124,000 | 194,000 | 258,000 |
| Noninterest expense | 371,000 | 776,000 | 1,928,000 | 2,583,000 |
| Provision for loan losses | 11,000 | 241,000 | 351,000 | 381,000 |
| Pretax income | 170,000 | 86,000 | -687,000 | -938,000 |
| Income tax | 58,000 | 70,000 | -242,000 | -323,000 |
| Net income | 112,000 | 16,000 | -445,000 | -615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,449,000 | 4,316,000 | 4,528,000 | 4,473,000 |
| Total capital | 4,941,000 | 4,799,000 | 5,019,000 | 4,957,000 |
| Risk-weighted assets | 39,242,000 | 38,414,000 | 39,077,000 | 38,438,000 |