Call reports 2008
PEOPLE'S COMMUNITY STATE BANK — 2008
What PEOPLE'S COMMUNITY 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 | 112,882,000 | 115,827,000 | 110,903,000 | 111,934,000 |
| Total loans | 87,374,000 | 87,015,000 | 87,235,000 | 88,450,000 |
| Allowance for loan losses | 1,482,000 | 1,527,000 | 1,556,000 | 1,573,000 |
| Securities available for sale | 8,735,000 | 9,721,000 | 9,368,000 | 8,574,000 |
| Securities held to maturity | 7,853,000 | 7,968,000 | 8,746,000 | 8,745,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,707,000 | 102,395,000 | 96,804,000 | 92,488,000 |
| Interest-bearing deposits | 88,848,000 | 92,545,000 | 87,015,000 | 83,094,000 |
| Noninterest-bearing deposits | 9,859,000 | 9,850,000 | 9,789,000 | 9,394,000 |
| Equity capital | 13,699,000 | 12,959,000 | 13,645,000 | 14,636,000 |
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 | 1,969,000 | 3,890,000 | 5,769,000 | 7,615,000 |
| Interest expense | 738,000 | 1,401,000 | 1,992,000 | 2,515,000 |
| Net interest income | 1,231,000 | 2,489,000 | 3,777,000 | 5,100,000 |
| Noninterest income | 286,000 | 590,000 | 925,000 | 1,273,000 |
| Noninterest expense | 732,000 | 1,460,000 | 2,213,000 | 3,061,000 |
| Provision for loan losses | 49,000 | 100,000 | 152,000 | 204,000 |
| Pretax income | 736,000 | 1,519,000 | 2,337,000 | 3,108,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 736,000 | 1,519,000 | 2,337,000 | 3,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,661,000 | 12,094,000 | 12,912,000 | 13,683,000 |
| Total capital | 13,610,000 | 13,054,000 | 13,870,000 | 14,655,000 |
| Risk-weighted assets | 75,381,000 | 76,252,000 | 76,026,000 | 77,158,000 |