Call reports 2002
PEOPLES STATE BANK OF COMMERCE — 2002
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 79,732,000 | 78,146,000 | 78,691,000 | 78,111,000 |
| Total loans | 52,444,000 | 54,856,000 | 55,185,000 | 54,076,000 |
| Allowance for loan losses | 787,000 | 768,000 | 753,000 | 678,000 |
| Securities available for sale | 8,205,000 | 7,883,000 | 8,528,000 | 9,414,000 |
| Securities held to maturity | 295,000 | 295,000 | 170,000 | 170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,515,000 | 69,494,000 | 68,801,000 | 68,085,000 |
| Interest-bearing deposits | 60,668,000 | 60,177,000 | 58,508,000 | 58,332,000 |
| Noninterest-bearing deposits | 9,847,000 | 9,317,000 | 10,293,000 | 9,753,000 |
| Equity capital | 8,321,000 | 7,767,000 | 8,901,000 | 8,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,268,000 | 2,526,000 | 3,785,000 | 5,057,000 |
| Interest expense | 448,000 | 849,000 | 1,226,000 | 1,556,000 |
| Net interest income | 820,000 | 1,677,000 | 2,559,000 | 3,501,000 |
| Noninterest income | 159,000 | 173,000 | 379,000 | 585,000 |
| Noninterest expense | 686,000 | 1,396,000 | 2,095,000 | 2,809,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 293,000 | 454,000 | 843,000 | 1,277,000 |
| Income tax | 106,000 | 166,000 | 305,000 | 482,000 |
| Net income | 187,000 | 288,000 | 538,000 | 795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,108,000 | 4,374,000 | 5,427,000 | 5,377,000 |
| Total capital | 5,549,000 | 4,815,000 | 6,076,000 | 6,038,000 |
| Risk-weighted assets | 51,285,000 | 51,687,000 | 52,054,000 | 50,711,000 |