Call reports 2001
PEOPLES STATE BANK OF COMMERCE — 2001
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 55,888,000 | 53,990,000 | 49,863,000 | 48,855,000 |
| Total loans | 37,107,000 | 35,710,000 | 36,555,000 | 31,821,000 |
| Allowance for loan losses | 608,000 | 605,000 | 610,000 | 592,000 |
| Securities available for sale | 7,985,000 | 8,828,000 | 4,758,000 | 5,267,000 |
| Securities held to maturity | 905,000 | 905,000 | 905,000 | 395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,074,000 | 45,208,000 | 42,281,000 | 41,195,000 |
| Interest-bearing deposits | 42,764,000 | 41,426,000 | 38,066,000 | 36,556,000 |
| Noninterest-bearing deposits | 4,310,000 | 3,782,000 | 4,215,000 | 4,639,000 |
| Equity capital | 6,872,000 | 6,974,000 | 6,825,000 | 6,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,090,000 | 2,153,000 | 3,119,000 | 3,962,000 |
| Interest expense | 562,000 | 1,067,000 | 1,523,000 | 1,862,000 |
| Net interest income | 519,000 | 1,086,000 | 1,596,000 | 2,100,000 |
| Noninterest income | 60,000 | 151,000 | 196,000 | 297,000 |
| Noninterest expense | 435,000 | 863,000 | 1,286,000 | 1,709,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 153,000 | 374,000 | 506,000 | 688,000 |
| Income tax | 62,000 | 147,000 | 200,000 | 271,000 |
| Net income | 91,000 | 227,000 | 306,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,357,000 | 4,508,000 | 4,352,000 | 4,479,000 |
| Total capital | 4,793,000 | 4,929,000 | 4,768,000 | 4,854,000 |
| Risk-weighted assets | 34,711,000 | 33,521,000 | 33,081,000 | 29,822,000 |