Call reports 2008
PEOPLES BANK, A CODORUS VALLEY COMPANY — 2008
What PEOPLES BANK, A CODORUS VALLEY COMPANY 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 | 606,287,000 | 632,082,000 | 644,313,000 | 697,410,000 |
| Total loans | 466,901,000 | 501,761,000 | 536,950,000 | 582,098,000 |
| Allowance for loan losses | 3,592,000 | 4,002,000 | 4,359,000 | 4,690,000 |
| Securities available for sale | 79,891,000 | 73,180,000 | 73,053,000 | 72,164,000 |
| Securities held to maturity | 1,498,000 | 1,498,000 | 1,498,000 | 1,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 525,729,000 | 552,893,000 | 553,811,000 | 599,262,000 |
| Interest-bearing deposits | 471,212,000 | 497,496,000 | 501,483,000 | 550,348,000 |
| Noninterest-bearing deposits | 54,517,000 | 55,397,000 | 52,328,000 | 48,914,000 |
| Equity capital | 55,780,000 | 55,638,000 | 56,713,000 | 58,424,000 |
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 | 9,407,000 | 18,294,000 | 27,469,000 | 36,769,000 |
| Interest expense | 3,798,000 | 7,456,000 | 11,348,000 | 15,224,000 |
| Net interest income | 5,609,000 | 10,838,000 | 16,121,000 | 21,545,000 |
| Noninterest income | 1,571,000 | 3,291,000 | 4,910,000 | 6,542,000 |
| Noninterest expense | 4,725,000 | 9,468,000 | 14,227,000 | 19,618,000 |
| Provision for loan losses | 150,000 | 1,060,000 | 1,413,000 | 1,870,000 |
| Pretax income | 2,305,000 | 3,724,000 | 5,514,000 | 6,722,000 |
| Income tax | 624,000 | 924,000 | 1,377,000 | 1,564,000 |
| Net income | 1,681,000 | 2,800,000 | 4,137,000 | 5,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,223,000 | 55,352,000 | 56,222,000 | 56,856,000 |
| Total capital | 57,815,000 | 59,354,000 | 60,581,000 | 61,546,000 |
| Risk-weighted assets | 490,809,000 | 521,917,000 | 550,717,000 | 599,111,000 |