Call reports 2008
PENINSULA BANK, THE — 2008
What PENINSULA BANK, THE 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 | 132,743,000 | 131,999,000 | 130,877,000 | 131,160,000 |
| Total loans | 103,864,000 | 103,048,000 | 104,910,000 | 106,906,000 |
| Allowance for loan losses | 1,349,000 | 1,334,000 | 1,362,000 | 1,359,000 |
| Securities available for sale | 14,654,000 | 14,692,000 | 15,241,000 | 13,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,312,000 | 108,862,000 | 107,719,000 | 105,952,000 |
| Interest-bearing deposits | 98,195,000 | 97,033,000 | 95,465,000 | 93,899,000 |
| Noninterest-bearing deposits | 10,117,000 | 11,829,000 | 12,254,000 | 12,053,000 |
| Equity capital | 15,373,000 | 15,334,000 | 15,806,000 | 15,625,000 |
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 | 2,303,000 | 4,490,000 | 6,610,000 | 8,647,000 |
| Interest expense | 837,000 | 1,559,000 | 2,206,000 | 2,786,000 |
| Net interest income | 1,466,000 | 2,931,000 | 4,404,000 | 5,861,000 |
| Noninterest income | 174,000 | 343,000 | 516,000 | 690,000 |
| Noninterest expense | 938,000 | 1,967,000 | 2,929,000 | 4,068,000 |
| Provision for loan losses | 45,000 | 110,000 | 180,000 | 555,000 |
| Pretax income | 657,000 | 1,197,000 | 1,811,000 | 1,928,000 |
| Income tax | 188,000 | 339,000 | 528,000 | 546,000 |
| Net income | 469,000 | 858,000 | 1,283,000 | 1,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,128,000 | 15,309,000 | 15,734,000 | 15,472,000 |
| Total capital | 16,378,000 | 16,550,000 | 16,998,000 | 16,747,000 |
| Risk-weighted assets | 99,872,000 | 99,193,000 | 101,034,000 | 101,904,000 |