Call reports 2008
PEARLAND STATE BANK — 2008
What PEARLAND 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 | 131,116,000 | 126,401,000 | 124,411,000 | 132,524,000 |
| Total loans | 33,893,000 | 35,565,000 | 35,019,000 | 35,356,000 |
| Allowance for loan losses | 353,000 | 333,000 | 382,000 | 408,000 |
| Securities available for sale | 83,535,000 | 81,391,000 | 79,686,000 | 87,157,000 |
| Securities held to maturity | 493,000 | 468,000 | 446,000 | 426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,541,000 | 108,979,000 | 106,001,000 | 112,458,000 |
| Interest-bearing deposits | 74,681,000 | 75,974,000 | 73,439,000 | 77,980,000 |
| Noninterest-bearing deposits | 36,860,000 | 33,005,000 | 32,562,000 | 34,478,000 |
| Equity capital | 18,882,000 | 16,724,000 | 17,673,000 | 19,427,000 |
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 | 1,672,000 | 3,373,000 | 5,083,000 | 6,769,000 |
| Interest expense | 447,000 | 839,000 | 1,185,000 | 1,481,000 |
| Net interest income | 1,225,000 | 2,534,000 | 3,898,000 | 5,288,000 |
| Noninterest income | 257,000 | 498,000 | 741,000 | 972,000 |
| Noninterest expense | 688,000 | 1,386,000 | 2,077,000 | 2,830,000 |
| Provision for loan losses | 54,000 | 104,000 | 150,000 | 177,000 |
| Pretax income | 803,000 | 1,638,000 | 2,508,000 | 3,352,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 803,000 | 1,638,000 | 2,508,000 | 3,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,592,000 | 17,115,000 | 17,295,000 | 18,139,000 |
| Total capital | 17,945,000 | 17,448,000 | 17,677,000 | 18,547,000 |
| Risk-weighted assets | 57,325,000 | 58,204,000 | 58,132,000 | 59,168,000 |