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 | 62,086,000 | 62,351,000 | 63,862,000 | 63,242,000 |
| Total loans | 40,726,000 | 43,124,000 | 44,393,000 | 42,751,000 |
| Allowance for loan losses | 773,000 | 637,000 | 462,000 | 693,000 |
| Securities available for sale | 16,315,000 | 14,952,000 | 14,599,000 | 14,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,862,000 | 54,513,000 | 51,701,000 | 55,620,000 |
| Interest-bearing deposits | 45,784,000 | 46,972,000 | 43,132,000 | 44,857,000 |
| Noninterest-bearing deposits | 8,078,000 | 7,541,000 | 8,569,000 | 10,763,000 |
| Equity capital | 7,884,000 | 7,534,000 | 7,388,000 | 7,379,000 |
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 | 1,155,000 | 2,138,000 | 3,022,000 | 3,911,000 |
| Interest expense | 387,000 | 717,000 | 1,021,000 | 1,299,000 |
| Net interest income | 768,000 | 1,421,000 | 2,001,000 | 2,612,000 |
| Noninterest income | 65,000 | 132,000 | 197,000 | 336,000 |
| Noninterest expense | 358,000 | 742,000 | 1,120,000 | 1,456,000 |
| Provision for loan losses | 100,000 | 200,000 | 500,000 | 800,000 |
| Pretax income | 375,000 | 611,000 | 578,000 | 692,000 |
| Income tax | 31,000 | 50,000 | 24,000 | 31,000 |
| Net income | 344,000 | 561,000 | 554,000 | 661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,777,000 | 7,694,000 | 7,387,000 | 7,194,000 |
| Total capital | 8,324,000 | 8,264,000 | 7,849,000 | 7,781,000 |
| Risk-weighted assets | 43,495,000 | 45,561,000 | 48,200,000 | 46,881,000 |