Call reports 2008
PEOPLES NATIONAL BANK, THE — 2008
What PEOPLES NATIONAL 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 | 354,223,000 | 351,374,000 | 354,193,000 | 357,985,000 |
| Total loans | 280,222,000 | 280,549,000 | 275,005,000 | 268,984,000 |
| Allowance for loan losses | 2,300,000 | 3,438,000 | 5,879,000 | 6,943,000 |
| Securities available for sale | 38,231,000 | 35,960,000 | 34,373,000 | 45,703,000 |
| Securities held to maturity | 6,768,000 | 6,551,000 | 6,545,000 | 6,538,000 |
| Trading assets | 0 | 0 | 96,000 | 23,000 |
| Total deposits | 260,009,000 | 253,695,000 | 270,607,000 | 281,042,000 |
| Interest-bearing deposits | 247,962,000 | 240,225,000 | 261,106,000 | 263,535,000 |
| Noninterest-bearing deposits | 12,047,000 | 13,470,000 | 9,501,000 | 17,507,000 |
| Equity capital | 28,957,000 | 29,055,000 | 26,041,000 | 32,198,000 |
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 | 5,470,000 | 10,662,000 | 15,728,000 | 20,257,000 |
| Interest expense | 2,674,000 | 5,043,000 | 7,329,000 | 9,351,000 |
| Net interest income | 2,796,000 | 5,619,000 | 8,399,000 | 10,906,000 |
| Noninterest income | 679,000 | 1,372,000 | 2,049,000 | 2,675,000 |
| Noninterest expense | 2,582,000 | 5,204,000 | 7,854,000 | 10,699,000 |
| Provision for loan losses | 225,000 | 1,600,000 | 7,200,000 | 11,250,000 |
| Pretax income | 668,000 | 187,000 | -6,074,000 | -9,836,000 |
| Income tax | 203,000 | -25,000 | -2,209,000 | -3,631,000 |
| Net income | 465,000 | 212,000 | -3,865,000 | -6,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,355,000 | 29,102,000 | 25,636,000 | 31,297,000 |
| Total capital | 30,780,000 | 32,631,000 | 29,345,000 | 34,922,000 |
| Risk-weighted assets | 296,086,000 | 294,602,000 | 288,620,000 | 280,731,000 |