Call reports 2008
PEOPLES BANK, THE — 2008
What PEOPLES BANK, 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 | 116,845,000 | 111,221,000 | 120,052,000 | 122,139,000 |
| Total loans | 57,417,000 | 59,334,000 | 62,156,000 | 63,750,000 |
| Allowance for loan losses | 753,000 | 754,000 | 760,000 | 750,000 |
| Securities available for sale | 22,272,000 | 21,753,000 | 21,208,000 | 21,202,000 |
| Securities held to maturity | 15,982,000 | 17,596,000 | 18,705,000 | 18,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,561,000 | 98,078,000 | 106,400,000 | 106,723,000 |
| Interest-bearing deposits | 89,234,000 | 83,520,000 | 90,963,000 | 90,656,000 |
| Noninterest-bearing deposits | 14,327,000 | 14,558,000 | 15,437,000 | 16,067,000 |
| Equity capital | 12,770,000 | 12,771,000 | 13,218,000 | 13,409,000 |
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 | 1,513,000 | 2,973,000 | 4,467,000 | 5,940,000 |
| Interest expense | 556,000 | 1,029,000 | 1,429,000 | 1,791,000 |
| Net interest income | 957,000 | 1,944,000 | 3,038,000 | 4,149,000 |
| Noninterest income | 150,000 | 301,000 | 470,000 | 624,000 |
| Noninterest expense | 750,000 | 1,496,000 | 2,263,000 | 3,095,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 150,000 |
| Pretax income | 426,000 | 811,000 | 1,265,000 | 1,670,000 |
| Income tax | 106,000 | 187,000 | 294,000 | 375,000 |
| Net income | 320,000 | 624,000 | 971,000 | 1,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,583,000 | 12,887,000 | 13,234,000 | 13,129,000 |
| Total capital | 13,336,000 | 13,553,000 | 13,994,000 | 13,879,000 |
| Risk-weighted assets | 65,197,000 | 65,143,000 | 67,746,000 | 68,828,000 |