Call reports 2008
PEOPLES BANK CO. — 2008
What PEOPLES BANK CO. 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 | 46,255,000 | 48,019,000 | 47,775,000 | 49,623,000 |
| Total loans | 30,321,000 | 34,821,000 | 35,588,000 | 36,980,000 |
| Allowance for loan losses | 326,000 | 312,000 | 287,000 | 331,000 |
| Securities available for sale | 8,914,000 | 6,860,000 | 6,583,000 | 7,883,000 |
| Securities held to maturity | 2,893,000 | 2,886,000 | 2,873,000 | 2,764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,558,000 | 39,480,000 | 39,275,000 | 39,142,000 |
| Interest-bearing deposits | 31,650,000 | 32,126,000 | 32,282,000 | 32,650,000 |
| Noninterest-bearing deposits | 6,908,000 | 7,354,000 | 6,993,000 | 6,492,000 |
| Equity capital | 3,909,000 | 3,825,000 | 3,741,000 | 3,934,000 |
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 | 700,000 | 1,412,000 | 2,121,000 | 2,827,000 |
| Interest expense | 325,000 | 638,000 | 914,000 | 1,176,000 |
| Net interest income | 375,000 | 774,000 | 1,207,000 | 1,651,000 |
| Noninterest income | 59,000 | 118,000 | 174,000 | 238,000 |
| Noninterest expense | 310,000 | 627,000 | 965,000 | 1,288,000 |
| Provision for loan losses | 24,000 | 50,000 | 85,000 | 126,000 |
| Pretax income | 100,000 | 245,000 | 361,000 | 505,000 |
| Income tax | 0 | 4,000 | 0 | 0 |
| Net income | 100,000 | 241,000 | 361,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,793,000 | 3,867,000 | 3,888,000 | 3,987,000 |
| Total capital | 4,119,000 | 4,179,000 | 4,175,000 | 4,318,000 |
| Risk-weighted assets | 33,183,000 | 35,523,000 | 36,855,000 | 37,895,000 |