Call reports 2004
PEOPLES STATE BANK OF COMMERCE — 2004
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 82,203,000 | 82,622,000 | 80,788,000 | 78,396,000 |
| Total loans | 52,514,000 | 53,318,000 | 51,058,000 | 54,096,000 |
| Allowance for loan losses | 620,000 | 667,000 | 676,000 | 630,000 |
| Securities available for sale | 7,640,000 | 7,398,000 | 9,696,000 | 9,500,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,718,000 | 70,194,000 | 68,481,000 | 65,800,000 |
| Interest-bearing deposits | 59,022,000 | 59,066,000 | 56,897,000 | 54,482,000 |
| Noninterest-bearing deposits | 10,696,000 | 11,128,000 | 11,584,000 | 11,318,000 |
| Equity capital | 10,351,000 | 10,331,000 | 10,280,000 | 10,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,089,000 | 2,160,000 | 3,246,000 | 4,361,000 |
| Interest expense | 218,000 | 431,000 | 640,000 | 843,000 |
| Net interest income | 871,000 | 1,729,000 | 2,606,000 | 3,518,000 |
| Noninterest income | 394,000 | 744,000 | 1,029,000 | 1,442,000 |
| Noninterest expense | 1,083,000 | 2,059,000 | 3,075,000 | 4,032,000 |
| Provision for loan losses | 7,000 | 15,000 | 20,000 | 20,000 |
| Pretax income | 175,000 | 399,000 | 540,000 | 908,000 |
| Income tax | 12,000 | 29,000 | 39,000 | 60,000 |
| Net income | 163,000 | 370,000 | 501,000 | 848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,351,000 | 6,490,000 | 6,373,000 | 6,722,000 |
| Total capital | 6,971,000 | 7,152,000 | 7,007,000 | 7,352,000 |
| Risk-weighted assets | 53,223,000 | 53,069,000 | 50,660,000 | 51,896,000 |