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 | 22,749,000 | 23,249,000 | 23,370,000 | 23,438,000 |
| Total loans | 11,244,000 | 11,049,000 | 10,856,000 | 10,931,000 |
| Allowance for loan losses | 133,000 | 127,000 | 123,000 | 154,000 |
| Securities available for sale | 7,369,000 | 8,508,000 | 7,796,000 | 8,690,000 |
| Securities held to maturity | 0 | 0 | 750,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,925,000 | 20,557,000 | 20,619,000 | 20,378,000 |
| Interest-bearing deposits | 17,057,000 | 17,484,000 | 17,664,000 | 17,470,000 |
| Noninterest-bearing deposits | 2,868,000 | 3,073,000 | 2,955,000 | 2,908,000 |
| Equity capital | 2,657,000 | 2,541,000 | 2,610,000 | 2,764,000 |
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 | 330,000 | 661,000 | 998,000 | 1,334,000 |
| Interest expense | 132,000 | 258,000 | 385,000 | 510,000 |
| Net interest income | 198,000 | 403,000 | 613,000 | 824,000 |
| Noninterest income | 51,000 | 118,000 | 187,000 | 286,000 |
| Noninterest expense | 227,000 | 440,000 | 684,000 | 894,000 |
| Provision for loan losses | 0 | 0 | 0 | 45,000 |
| Pretax income | 22,000 | 81,000 | 116,000 | 171,000 |
| Income tax | 0 | 4,000 | -13,000 | -8,000 |
| Net income | 22,000 | 77,000 | 129,000 | 179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,582,000 | 2,641,000 | 2,696,000 | 2,604,000 |
| Total capital | 2,715,000 | 2,768,000 | 2,819,000 | 2,758,000 |
| Risk-weighted assets | 12,071,000 | 12,744,000 | 11,989,000 | 12,011,000 |