Call reports 2008
PEOPLES BANK, THE — 2008
What PEOPLES 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 | 256,759,000 | 252,998,000 | 250,148,000 | 250,646,000 |
| Total loans | 219,153,000 | 216,541,000 | 216,443,000 | 216,682,000 |
| Allowance for loan losses | 2,430,000 | 1,758,000 | 1,527,000 | 2,002,000 |
| Securities available for sale | 5,107,000 | 4,051,000 | 4,036,000 | 4,078,000 |
| Securities held to maturity | 12,026,000 | 12,028,000 | 12,051,000 | 10,056,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,709,000 | 169,416,000 | 165,023,000 | 166,389,000 |
| Interest-bearing deposits | 132,875,000 | 134,734,000 | 130,945,000 | 131,871,000 |
| Noninterest-bearing deposits | 34,834,000 | 34,682,000 | 34,078,000 | 34,518,000 |
| Equity capital | 27,126,000 | 26,799,000 | 26,996,000 | 26,939,000 |
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 | 4,166,000 | 8,087,000 | 12,022,000 | 15,558,000 |
| Interest expense | 1,650,000 | 3,132,000 | 4,558,000 | 5,889,000 |
| Net interest income | 2,516,000 | 4,955,000 | 7,464,000 | 9,669,000 |
| Noninterest income | 329,000 | 659,000 | 985,000 | 1,287,000 |
| Noninterest expense | 1,483,000 | 2,928,000 | 4,451,000 | 5,976,000 |
| Provision for loan losses | 120,000 | 600,000 | 1,040,000 | 1,715,000 |
| Pretax income | 1,242,000 | 2,086,000 | 2,958,000 | 3,265,000 |
| Income tax | 466,000 | 776,000 | 1,097,000 | 1,201,000 |
| Net income | 776,000 | 1,310,000 | 1,861,000 | 2,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,816,000 | 27,525,000 | 27,733,000 | 27,583,000 |
| Total capital | 30,246,000 | 29,283,000 | 29,260,000 | 29,585,000 |
| Risk-weighted assets | 215,130,000 | 213,824,000 | 212,825,000 | 214,982,000 |