Call reports 2008
PS BANK — 2008
What PS 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 | 198,972,000 | 206,195,000 | 215,345,000 | 210,568,000 |
| Total loans | 146,368,000 | 149,392,000 | 151,468,000 | 155,318,000 |
| Allowance for loan losses | 1,814,000 | 1,863,000 | 1,567,000 | 1,712,000 |
| Securities available for sale | 29,487,000 | 32,202,000 | 39,366,000 | 39,426,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,362,000 | 159,617,000 | 168,770,000 | 166,483,000 |
| Interest-bearing deposits | 125,435,000 | 130,664,000 | 139,085,000 | 135,968,000 |
| Noninterest-bearing deposits | 26,927,000 | 28,953,000 | 29,685,000 | 30,515,000 |
| Equity capital | 14,066,000 | 14,106,000 | 13,941,000 | 14,465,000 |
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 | 3,176,000 | 6,329,000 | 9,426,000 | 12,578,000 |
| Interest expense | 1,294,000 | 2,461,000 | 3,628,000 | 4,664,000 |
| Net interest income | 1,882,000 | 3,868,000 | 5,798,000 | 7,914,000 |
| Noninterest income | 639,000 | 1,186,000 | 1,713,000 | 2,279,000 |
| Noninterest expense | 1,677,000 | 3,382,000 | 5,210,000 | 7,026,000 |
| Provision for loan losses | 90,000 | 180,000 | 280,000 | 650,000 |
| Pretax income | 763,000 | 1,501,000 | 2,030,000 | 2,526,000 |
| Income tax | 181,000 | 397,000 | 514,000 | 603,000 |
| Net income | 582,000 | 1,104,000 | 1,516,000 | 1,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,173,000 | 14,492,000 | 14,277,000 | 14,122,000 |
| Total capital | 15,987,000 | 16,355,000 | 15,844,000 | 15,834,000 |
| Risk-weighted assets | 149,960,000 | 153,443,000 | 156,397,000 | 157,493,000 |