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 | 75,875,000 | 74,968,000 | 75,685,000 | 78,283,000 |
| Total loans | 41,010,000 | 40,651,000 | 41,341,000 | 41,315,000 |
| Allowance for loan losses | 472,000 | 471,000 | 484,000 | 482,000 |
| Securities available for sale | 29,698,000 | 28,728,000 | 28,980,000 | 30,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,940,000 | 54,124,000 | 55,271,000 | 56,823,000 |
| Interest-bearing deposits | 50,541,000 | 47,378,000 | 48,338,000 | 50,284,000 |
| Noninterest-bearing deposits | 7,399,000 | 6,746,000 | 6,933,000 | 6,539,000 |
| Equity capital | 7,865,000 | 7,566,000 | 7,919,000 | 8,446,000 |
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 | 1,101,000 | 2,186,000 | 3,284,000 | 4,396,000 |
| Interest expense | 537,000 | 1,040,000 | 1,530,000 | 2,023,000 |
| Net interest income | 564,000 | 1,146,000 | 1,754,000 | 2,373,000 |
| Noninterest income | 139,000 | 257,000 | 403,000 | 533,000 |
| Noninterest expense | 476,000 | 945,000 | 1,429,000 | 1,953,000 |
| Provision for loan losses | 15,000 | 30,000 | 65,000 | 65,000 |
| Pretax income | 208,000 | 428,000 | 663,000 | 888,000 |
| Income tax | 10,000 | 20,000 | 30,000 | 41,000 |
| Net income | 198,000 | 408,000 | 633,000 | 847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,548,000 | 7,759,000 | 7,983,000 | 8,158,000 |
| Total capital | 8,020,000 | 8,230,000 | 8,467,000 | 8,928,000 |
| Risk-weighted assets | 48,056,000 | 47,871,000 | 48,249,000 | 49,223,000 |