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 | 101,180,000 | 99,032,000 | 100,289,000 | 100,385,000 |
| Total loans | 65,527,000 | 72,045,000 | 75,161,000 | 77,654,000 |
| Allowance for loan losses | 599,000 | 697,000 | 805,000 | 866,000 |
| Securities available for sale | 24,976,000 | 18,411,000 | 13,595,000 | 13,248,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,366,000 | 76,354,000 | 80,661,000 | 80,545,000 |
| Interest-bearing deposits | 66,585,000 | 67,715,000 | 69,595,000 | 69,325,000 |
| Noninterest-bearing deposits | 9,781,000 | 8,639,000 | 11,066,000 | 11,220,000 |
| Equity capital | 6,959,000 | 6,871,000 | 6,885,000 | 7,335,000 |
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 | 1,683,000 | 3,494,000 | 5,318,000 | 7,113,000 |
| Interest expense | 690,000 | 1,419,000 | 2,154,000 | 2,790,000 |
| Net interest income | 993,000 | 2,075,000 | 3,164,000 | 4,323,000 |
| Noninterest income | 151,000 | 328,000 | 477,000 | 610,000 |
| Noninterest expense | 703,000 | 1,533,000 | 2,201,000 | 2,883,000 |
| Provision for loan losses | 42,000 | 144,000 | 207,000 | 270,000 |
| Pretax income | 431,000 | 781,000 | 287,000 | 728,000 |
| Income tax | 150,000 | 165,000 | 150,000 | 170,000 |
| Net income | 281,000 | 616,000 | 137,000 | 558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,992,000 | 7,326,000 | 7,410,000 | 7,831,000 |
| Total capital | 7,591,000 | 8,023,000 | 8,215,000 | 8,697,000 |
| Risk-weighted assets | 72,165,000 | 78,276,000 | 81,589,000 | 83,257,000 |