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 | 56,565,000 | 55,444,000 | 55,069,000 | 60,701,000 |
| Total loans | 19,597,000 | 25,195,000 | 26,394,000 | 27,339,000 |
| Allowance for loan losses | 624,000 | 625,000 | 621,000 | 623,000 |
| Securities available for sale | 27,936,000 | 26,566,000 | 23,955,000 | 26,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,699,000 | 48,074,000 | 48,435,000 | 55,055,000 |
| Interest-bearing deposits | 38,230,000 | 34,863,000 | 34,652,000 | 37,276,000 |
| Noninterest-bearing deposits | 13,469,000 | 13,211,000 | 13,783,000 | 17,779,000 |
| Equity capital | 4,615,000 | 4,348,000 | 4,714,000 | 5,429,000 |
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 | 759,000 | 1,495,000 | 2,220,000 | 2,941,000 |
| Interest expense | 240,000 | 441,000 | 627,000 | 789,000 |
| Net interest income | 519,000 | 1,054,000 | 1,593,000 | 2,152,000 |
| Noninterest income | 44,000 | 72,000 | 103,000 | 127,000 |
| Noninterest expense | 235,000 | 463,000 | 739,000 | 1,075,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 328,000 | 667,000 | 972,000 | 1,219,000 |
| Income tax | 24,000 | 49,000 | 66,000 | 84,000 |
| Net income | 304,000 | 618,000 | 906,000 | 1,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,397,000 | 4,711,000 | 4,824,000 | 5,053,000 |
| Total capital | 4,770,000 | 5,091,000 | 5,213,000 | 5,486,000 |
| Risk-weighted assets | 29,613,000 | 30,170,000 | 30,868,000 | 34,475,000 |