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 | 531,986,000 | 544,757,000 | 558,784,000 | 570,247,000 |
| Total loans | 391,947,000 | 406,153,000 | 423,682,000 | 430,401,000 |
| Allowance for loan losses | 4,958,000 | 5,047,000 | 5,296,000 | 5,521,000 |
| Securities available for sale | 102,007,000 | 99,244,000 | 99,182,000 | 102,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 389,777,000 | 403,834,000 | 418,292,000 | 428,719,000 |
| Interest-bearing deposits | 341,854,000 | 352,602,000 | 365,328,000 | 374,441,000 |
| Noninterest-bearing deposits | 47,923,000 | 51,232,000 | 52,964,000 | 54,278,000 |
| Equity capital | 45,512,000 | 44,141,000 | 45,374,000 | 46,780,000 |
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 | 7,876,000 | 15,551,000 | 23,038,000 | 30,639,000 |
| Interest expense | 4,031,000 | 7,807,000 | 11,518,000 | 15,054,000 |
| Net interest income | 3,845,000 | 7,744,000 | 11,520,000 | 15,585,000 |
| Noninterest income | 1,019,000 | 2,088,000 | 3,090,000 | 4,177,000 |
| Noninterest expense | 3,242,000 | 6,557,000 | 9,797,000 | 13,036,000 |
| Provision for loan losses | 135,000 | 270,000 | 555,000 | 885,000 |
| Pretax income | 1,487,000 | 3,005,000 | 3,267,000 | 4,850,000 |
| Income tax | 384,000 | 780,000 | 667,000 | 1,080,000 |
| Net income | 1,103,000 | 2,225,000 | 2,600,000 | 3,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,963,000 | 44,302,000 | 44,911,000 | 45,233,000 |
| Total capital | 48,921,000 | 49,349,000 | 50,222,000 | 50,754,000 |
| Risk-weighted assets | 439,318,000 | 465,108,000 | 477,642,000 | 483,463,000 |