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 | 486,393,000 | 480,593,000 | 470,458,000 | 460,405,000 |
| Total loans | 385,464,000 | 388,872,000 | 383,520,000 | 375,891,000 |
| Allowance for loan losses | 5,204,000 | 5,974,000 | 6,807,000 | 7,116,000 |
| Securities available for sale | 60,231,000 | 50,587,000 | 50,533,000 | 50,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 425,163,000 | 403,304,000 | 395,336,000 | 411,791,000 |
| Interest-bearing deposits | 362,060,000 | 346,394,000 | 343,257,000 | 361,387,000 |
| Noninterest-bearing deposits | 63,103,000 | 56,910,000 | 52,079,000 | 50,404,000 |
| Equity capital | 40,619,000 | 38,967,000 | 38,697,000 | 30,526,000 |
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 | 7,597,000 | 14,922,000 | 22,114,000 | 28,994,000 |
| Interest expense | 3,129,000 | 5,602,000 | 7,948,000 | 10,434,000 |
| Net interest income | 4,468,000 | 9,320,000 | 14,166,000 | 18,560,000 |
| Noninterest income | 1,000,000 | 1,941,000 | 2,651,000 | -9,000 |
| Noninterest expense | 5,829,000 | 10,959,000 | 17,220,000 | 22,486,000 |
| Provision for loan losses | 2,063,000 | 3,616,000 | 5,966,000 | 9,956,000 |
| Pretax income | -2,237,000 | -3,127,000 | -6,182,000 | -13,704,000 |
| Income tax | -788,000 | -1,108,000 | -2,162,000 | -104,000 |
| Net income | -1,449,000 | -2,019,000 | -4,020,000 | -13,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,037,000 | 35,543,000 | 34,429,000 | 29,518,000 |
| Total capital | 40,939,000 | 40,441,000 | 39,240,000 | 34,236,000 |
| Risk-weighted assets | 391,847,000 | 390,803,000 | 382,845,000 | 375,015,000 |