Call reports 2008
PEOPLES SOUTHERN BANK — 2008
What PEOPLES SOUTHERN 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 | 141,333,000 | 139,781,000 | 134,762,000 | 135,701,000 |
| Total loans | 58,853,000 | 59,584,000 | 56,599,000 | 55,411,000 |
| Allowance for loan losses | 937,000 | 940,000 | 1,048,000 | 1,157,000 |
| Securities available for sale | 57,404,000 | 59,748,000 | 57,297,000 | 61,111,000 |
| Securities held to maturity | 23,000 | 20,000 | 17,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,730,000 | 118,940,000 | 113,805,000 | 113,982,000 |
| Interest-bearing deposits | 91,825,000 | 90,187,000 | 86,535,000 | 85,121,000 |
| Noninterest-bearing deposits | 27,905,000 | 28,753,000 | 27,270,000 | 28,861,000 |
| Equity capital | 21,117,000 | 20,525,000 | 20,645,000 | 21,361,000 |
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 | 1,844,000 | 3,536,000 | 5,195,000 | 6,788,000 |
| Interest expense | 624,000 | 1,185,000 | 1,697,000 | 2,170,000 |
| Net interest income | 1,220,000 | 2,351,000 | 3,498,000 | 4,618,000 |
| Noninterest income | 368,000 | 766,000 | 1,166,000 | 1,529,000 |
| Noninterest expense | 956,000 | 1,898,000 | 2,836,000 | 3,833,000 |
| Provision for loan losses | 57,000 | 95,000 | 263,000 | 363,000 |
| Pretax income | 601,000 | 1,151,000 | 1,592,000 | 1,992,000 |
| Income tax | 29,000 | 59,000 | 90,000 | 112,000 |
| Net income | 572,000 | 1,092,000 | 1,502,000 | 1,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,387,000 | 20,491,000 | 20,484,000 | 20,521,000 |
| Total capital | 21,324,000 | 21,431,000 | 21,395,000 | 21,420,000 |
| Risk-weighted assets | 76,910,000 | 77,575,000 | 72,708,000 | 71,670,000 |