Call reports 2008
PEOPLES BANK OF ALABAMA — 2008
What PEOPLES BANK OF ALABAMA 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 | 493,983,000 | 489,353,000 | 486,539,000 | 491,123,000 |
| Total loans | 309,168,000 | 336,063,000 | 358,978,000 | 348,517,000 |
| Allowance for loan losses | 3,329,000 | 3,628,000 | 4,002,000 | 4,119,000 |
| Securities available for sale | 82,778,000 | 76,180,000 | 72,485,000 | 77,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,205,000 | 376,856,000 | 360,621,000 | 391,886,000 |
| Interest-bearing deposits | 325,055,000 | 327,858,000 | 316,542,000 | 351,868,000 |
| Noninterest-bearing deposits | 53,150,000 | 48,998,000 | 44,079,000 | 40,018,000 |
| Equity capital | 53,599,000 | 51,250,000 | 51,303,000 | 43,163,000 |
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 | 7,014,000 | 13,566,000 | 20,374,000 | 26,975,000 |
| Interest expense | 2,844,000 | 5,567,000 | 8,134,000 | 10,911,000 |
| Net interest income | 4,170,000 | 7,999,000 | 12,240,000 | 16,064,000 |
| Noninterest income | 2,821,000 | 5,730,000 | 8,676,000 | 11,874,000 |
| Noninterest expense | 4,473,000 | 9,182,000 | 14,454,000 | 19,227,000 |
| Provision for loan losses | 279,000 | 1,001,000 | 1,464,000 | 1,952,000 |
| Pretax income | 2,242,000 | 3,549,000 | 5,001,000 | 6,762,000 |
| Income tax | 732,000 | 1,312,000 | 1,905,000 | 2,033,000 |
| Net income | 1,510,000 | 2,237,000 | 3,096,000 | 4,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,345,000 | 48,434,000 | 49,394,000 | 42,393,000 |
| Total capital | 51,674,000 | 52,062,000 | 53,396,000 | 46,512,000 |
| Risk-weighted assets | 349,053,000 | 371,599,000 | 379,778,000 | 376,436,000 |