Call reports 2008
PLEASANTS COUNTY BANK, THE — 2008
What PLEASANTS COUNTY BANK, THE 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 | 57,550,000 | 56,854,000 | 53,803,000 | 54,333,000 |
| Total loans | 34,812,000 | 34,958,000 | 35,344,000 | 34,849,000 |
| Allowance for loan losses | 376,000 | 386,000 | 401,000 | 384,000 |
| Securities available for sale | 15,640,000 | 12,535,000 | 10,520,000 | 13,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,716,000 | 50,098,000 | 47,033,000 | 47,582,000 |
| Interest-bearing deposits | 32,051,000 | 31,632,000 | 31,492,000 | 31,986,000 |
| Noninterest-bearing deposits | 18,665,000 | 18,466,000 | 15,541,000 | 15,596,000 |
| Equity capital | 6,550,000 | 6,520,000 | 6,537,000 | 6,473,000 |
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 | 840,000 | 1,669,000 | 2,474,000 | 3,258,000 |
| Interest expense | 254,000 | 495,000 | 714,000 | 916,000 |
| Net interest income | 586,000 | 1,174,000 | 1,760,000 | 2,342,000 |
| Noninterest income | 64,000 | 130,000 | 196,000 | 264,000 |
| Noninterest expense | 429,000 | 864,000 | 1,299,000 | 1,794,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 55,000 |
| Pretax income | 206,000 | 410,000 | 612,000 | 757,000 |
| Income tax | 73,000 | 150,000 | 222,000 | 276,000 |
| Net income | 133,000 | 260,000 | 390,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,411,000 | 6,488,000 | 6,518,000 | 6,384,000 |
| Total capital | 6,787,000 | 6,874,000 | 6,919,000 | 6,768,000 |
| Risk-weighted assets | 35,949,000 | 35,764,000 | 34,996,000 | 34,856,000 |