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 | 14,510,000 | 14,094,000 | 14,832,000 | 17,096,000 |
| Total loans | 12,171,000 | 11,321,000 | 12,171,000 | 14,193,000 |
| Allowance for loan losses | 273,000 | 272,000 | 273,000 | 274,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,108,000 | 1,104,000 | 1,101,000 | 1,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,745,000 | 9,478,000 | 8,839,000 | 10,091,000 |
| Interest-bearing deposits | 7,084,000 | 6,962,000 | 6,662,000 | 7,735,000 |
| Noninterest-bearing deposits | 2,661,000 | 2,516,000 | 2,177,000 | 2,356,000 |
| Equity capital | 4,068,000 | 4,107,000 | 4,004,000 | 4,064,000 |
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 | 321,000 | 629,000 | 925,000 | 1,248,000 |
| Interest expense | 38,000 | 72,000 | 109,000 | 139,000 |
| Net interest income | 283,000 | 557,000 | 816,000 | 1,109,000 |
| Noninterest income | 70,000 | 130,000 | 205,000 | 278,000 |
| Noninterest expense | 146,000 | 281,000 | 409,000 | 556,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 207,000 | 406,000 | 612,000 | 831,000 |
| Income tax | 5,000 | 15,000 | 24,000 | 33,000 |
| Net income | 202,000 | 391,000 | 588,000 | 798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,068,000 | 4,107,000 | 4,004,000 | 4,064,000 |
| Total capital | 4,220,000 | 4,243,000 | 4,154,000 | 4,239,000 |
| Risk-weighted assets | 11,381,000 | 10,223,000 | 11,136,000 | 13,156,000 |