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 | 324,903,000 | 328,091,000 | 324,695,000 | 337,540,000 |
| Total loans | 270,732,000 | 274,345,000 | 274,492,000 | 277,007,000 |
| Allowance for loan losses | 3,580,000 | 3,686,000 | 3,816,000 | 4,148,000 |
| Securities available for sale | 32,162,000 | 32,036,000 | 30,721,000 | 32,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,276,000 | 262,151,000 | 257,680,000 | 267,649,000 |
| Interest-bearing deposits | 236,076,000 | 240,489,000 | 236,617,000 | 242,269,000 |
| Noninterest-bearing deposits | 21,200,000 | 21,662,000 | 21,063,000 | 25,380,000 |
| Equity capital | 32,461,000 | 32,710,000 | 33,307,000 | 29,651,000 |
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 | 5,177,000 | 10,336,000 | 15,286,000 | 20,134,000 |
| Interest expense | 2,639,000 | 5,028,000 | 7,293,000 | 9,441,000 |
| Net interest income | 2,538,000 | 5,308,000 | 7,993,000 | 10,693,000 |
| Noninterest income | 336,000 | 679,000 | 1,052,000 | 1,383,000 |
| Noninterest expense | 1,559,000 | 3,147,000 | 4,816,000 | 6,431,000 |
| Provision for loan losses | 105,000 | 210,000 | 355,000 | 1,250,000 |
| Pretax income | 1,210,000 | 2,630,000 | 3,874,000 | 4,395,000 |
| Income tax | 3,000 | 19,000 | 25,000 | 25,000 |
| Net income | 1,207,000 | 2,611,000 | 3,849,000 | 4,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,161,000 | 33,089,000 | 33,805,000 | 29,828,000 |
| Total capital | 35,456,000 | 36,480,000 | 37,193,000 | 33,231,000 |
| Risk-weighted assets | 265,360,000 | 271,308,000 | 270,649,000 | 272,290,000 |