Call reports 2003
PEOPLES STATE BANK OF COMMERCE — 2003
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 81,948,000 | 82,369,000 | 81,024,000 | 80,868,000 |
| Total loans | 54,597,000 | 55,296,000 | 56,914,000 | 53,391,000 |
| Allowance for loan losses | 645,000 | 638,000 | 586,000 | 611,000 |
| Securities available for sale | 8,597,000 | 8,786,000 | 8,191,000 | 8,143,000 |
| Securities held to maturity | 135,000 | 135,000 | 35,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,576,000 | 70,756,000 | 68,342,000 | 67,420,000 |
| Interest-bearing deposits | 60,043,000 | 60,407,000 | 58,029,000 | 57,088,000 |
| Noninterest-bearing deposits | 10,533,000 | 10,349,000 | 10,313,000 | 10,332,000 |
| Equity capital | 9,158,000 | 9,571,000 | 10,180,000 | 10,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,264,000 | 2,397,000 | 3,569,000 | 4,690,000 |
| Interest expense | 291,000 | 568,000 | 812,000 | 1,041,000 |
| Net interest income | 973,000 | 1,829,000 | 2,757,000 | 3,649,000 |
| Noninterest income | 46,000 | 567,000 | 1,066,000 | 1,421,000 |
| Noninterest expense | 788,000 | 1,821,000 | 2,946,000 | 3,946,000 |
| Provision for loan losses | 0 | 0 | 67,000 | 75,000 |
| Pretax income | 298,000 | 642,000 | 874,000 | 1,114,000 |
| Income tax | 17,000 | 40,000 | 57,000 | 69,000 |
| Net income | 281,000 | 602,000 | 817,000 | 1,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,069,000 | 5,563,000 | 6,250,000 | 6,449,000 |
| Total capital | 5,741,000 | 6,228,000 | 6,863,000 | 7,113,000 |
| Risk-weighted assets | 51,593,000 | 52,295,000 | 53,716,000 | 52,074,000 |