Call reports 2008
PIQUA STATE BANK — 2008
What PIQUA 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 | 24,438,000 | 24,426,000 | 25,307,000 | 24,131,000 |
| Total loans | 10,302,000 | 10,834,000 | 10,526,000 | 10,606,000 |
| Allowance for loan losses | 251,000 | 451,000 | 268,000 | 272,000 |
| Securities available for sale | 7,553,000 | 7,027,000 | 7,368,000 | 7,920,000 |
| Securities held to maturity | 3,034,000 | 3,033,000 | 3,192,000 | 3,282,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,475,000 | 21,803,000 | 22,790,000 | 21,107,000 |
| Interest-bearing deposits | 14,972,000 | 14,648,000 | 15,284,000 | 14,570,000 |
| Noninterest-bearing deposits | 6,503,000 | 7,155,000 | 7,506,000 | 6,537,000 |
| Equity capital | 2,671,000 | 2,433,000 | 2,299,000 | 2,464,000 |
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 | 346,000 | 684,000 | 1,022,000 | 1,347,000 |
| Interest expense | 118,000 | 231,000 | 338,000 | 433,000 |
| Net interest income | 228,000 | 453,000 | 684,000 | 914,000 |
| Noninterest income | 36,000 | 71,000 | 102,000 | 133,000 |
| Noninterest expense | 197,000 | 391,000 | 613,000 | 831,000 |
| Provision for loan losses | 0 | 203,000 | 419,000 | 419,000 |
| Pretax income | 69,000 | -68,000 | -246,000 | -204,000 |
| Income tax | 11,000 | 0 | 0 | -27,000 |
| Net income | 58,000 | -68,000 | -246,000 | -177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,546,000 | 2,420,000 | 2,242,000 | 2,311,000 |
| Total capital | 2,702,000 | 2,580,000 | 2,402,000 | 2,451,000 |
| Risk-weighted assets | 12,347,000 | 12,527,000 | 12,730,000 | 11,078,000 |