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 | 94,486,000 | 97,026,000 | 99,295,000 | 97,143,000 |
| Total loans | 70,289,000 | 72,755,000 | 76,413,000 | 78,170,000 |
| Allowance for loan losses | 615,000 | 595,000 | 534,000 | 516,000 |
| Securities available for sale | 13,815,000 | 12,529,000 | 12,470,000 | 11,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,529,000 | 85,109,000 | 87,000,000 | 84,583,000 |
| Interest-bearing deposits | 67,450,000 | 69,172,000 | 71,517,000 | 70,278,000 |
| Noninterest-bearing deposits | 14,079,000 | 15,937,000 | 15,483,000 | 14,305,000 |
| Equity capital | 9,597,000 | 9,537,000 | 9,833,000 | 10,011,000 |
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 | 1,481,000 | 2,945,000 | 4,483,000 | 5,991,000 |
| Interest expense | 489,000 | 948,000 | 1,373,000 | 1,784,000 |
| Net interest income | 992,000 | 1,997,000 | 3,110,000 | 4,207,000 |
| Noninterest income | 160,000 | 330,000 | 532,000 | 701,000 |
| Noninterest expense | 896,000 | 1,805,000 | 2,726,000 | 3,642,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 128,000 |
| Pretax income | 221,000 | 451,000 | 809,000 | 1,139,000 |
| Income tax | 60,000 | 124,000 | 225,000 | 307,000 |
| Net income | 161,000 | 327,000 | 584,000 | 832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,253,000 | 8,403,000 | 8,644,000 | 8,730,000 |
| Total capital | 8,868,000 | 8,998,000 | 9,178,000 | 9,246,000 |
| Risk-weighted assets | 60,465,000 | 62,586,000 | 65,055,000 | 65,794,000 |