Call reports 2008
PEOPLES NATIONAL BANK OF MT. PLEASANT, THE — 2008
What PEOPLES NATIONAL BANK OF MT. PLEASANT, 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 | 44,851,000 | 45,125,000 | 45,131,000 | 46,756,000 |
| Total loans | 27,054,000 | 27,121,000 | 27,665,000 | 28,565,000 |
| Allowance for loan losses | 93,000 | 98,000 | 105,000 | 123,000 |
| Securities available for sale | 3,025,000 | 2,995,000 | 5,507,000 | 5,032,000 |
| Securities held to maturity | 3,000,000 | 1,500,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,437,000 | 38,754,000 | 38,764,000 | 40,389,000 |
| Interest-bearing deposits | 30,652,000 | 30,635,000 | 30,174,000 | 31,507,000 |
| Noninterest-bearing deposits | 7,785,000 | 8,119,000 | 8,590,000 | 8,882,000 |
| Equity capital | 6,244,000 | 6,193,000 | 6,226,000 | 6,245,000 |
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 | 622,000 | 1,216,000 | 1,820,000 | 2,428,000 |
| Interest expense | 250,000 | 467,000 | 661,000 | 851,000 |
| Net interest income | 372,000 | 749,000 | 1,159,000 | 1,577,000 |
| Noninterest income | 67,000 | 140,000 | 218,000 | 298,000 |
| Noninterest expense | 370,000 | 734,000 | 1,110,000 | 1,480,000 |
| Provision for loan losses | 20,000 | 56,000 | 94,000 | 163,000 |
| Pretax income | 49,000 | 99,000 | 173,000 | 232,000 |
| Income tax | 15,000 | 37,000 | 55,000 | 85,000 |
| Net income | 34,000 | 62,000 | 118,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,219,000 | 6,198,000 | 6,219,000 | 6,213,000 |
| Total capital | 6,312,000 | 6,296,000 | 6,324,000 | 6,336,000 |
| Risk-weighted assets | 25,561,000 | 25,679,000 | 25,725,000 | 27,048,000 |