Call reports 2008
PEOPLES BANK OF GRACEVILLE — 2008
What PEOPLES BANK OF GRACEVILLE 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 | 56,183,000 | 57,319,000 | 65,610,000 | 65,762,000 |
| Total loans | 23,183,000 | 24,084,000 | 24,596,000 | 24,764,000 |
| Allowance for loan losses | 233,000 | 235,000 | 230,000 | 230,000 |
| Securities available for sale | 27,398,000 | 26,783,000 | 30,689,000 | 33,690,000 |
| Securities held to maturity | 1,062,000 | 1,063,000 | 1,063,000 | 1,064,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,820,000 | 46,532,000 | 54,898,000 | 53,964,000 |
| Interest-bearing deposits | 36,091,000 | 37,368,000 | 46,125,000 | 45,003,000 |
| Noninterest-bearing deposits | 8,729,000 | 9,164,000 | 8,773,000 | 8,961,000 |
| Equity capital | 10,869,000 | 10,278,000 | 10,187,000 | 11,037,000 |
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 | 786,000 | 1,589,000 | 2,425,000 | 3,305,000 |
| Interest expense | 302,000 | 589,000 | 890,000 | 1,223,000 |
| Net interest income | 484,000 | 1,000,000 | 1,535,000 | 2,082,000 |
| Noninterest income | 123,000 | 243,000 | 365,000 | 480,000 |
| Noninterest expense | 299,000 | 598,000 | 909,000 | 1,239,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 310,000 | 647,000 | 777,000 | 1,130,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 310,000 | 647,000 | 777,000 | 1,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,499,000 | 10,632,000 | 10,564,000 | 10,516,000 |
| Total capital | 10,732,000 | 10,868,000 | 10,794,000 | 10,746,000 |
| Risk-weighted assets | 27,779,000 | 28,228,000 | 29,490,000 | 28,545,000 |