Call reports 2008
PEABODY STATE BANK — 2008
What PEABODY 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 | 40,254,000 | 41,022,000 | 38,764,000 | 38,154,000 |
| Total loans | 26,462,000 | 26,377,000 | 25,120,000 | 24,503,000 |
| Allowance for loan losses | 242,000 | 242,000 | 300,000 | 483,000 |
| Securities available for sale | 10,503,000 | 9,977,000 | 10,122,000 | 9,552,000 |
| Securities held to maturity | 153,000 | 153,000 | 139,000 | 139,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,790,000 | 32,560,000 | 31,446,000 | 31,460,000 |
| Interest-bearing deposits | 27,893,000 | 28,189,000 | 27,406,000 | 27,124,000 |
| Noninterest-bearing deposits | 3,897,000 | 4,371,000 | 4,040,000 | 4,336,000 |
| Equity capital | 5,130,000 | 5,128,000 | 4,279,000 | 3,751,000 |
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 | 617,000 | 1,210,000 | 1,760,000 | 2,267,000 |
| Interest expense | 233,000 | 435,000 | 627,000 | 805,000 |
| Net interest income | 384,000 | 775,000 | 1,133,000 | 1,462,000 |
| Noninterest income | 41,000 | 88,000 | 133,000 | 177,000 |
| Noninterest expense | 354,000 | 651,000 | 969,000 | 1,290,000 |
| Provision for loan losses | 0 | 0 | 1,081,000 | 1,671,000 |
| Pretax income | 71,000 | 212,000 | -1,265,000 | -1,822,000 |
| Income tax | 7,000 | 45,000 | -452,000 | -443,000 |
| Net income | 64,000 | 167,000 | -813,000 | -1,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,903,000 | 5,010,000 | 3,728,000 | 3,193,000 |
| Total capital | 5,145,000 | 5,252,000 | 4,028,000 | 3,514,000 |
| Risk-weighted assets | 28,163,000 | 28,515,000 | 26,371,000 | 25,529,000 |