Call reports 2005
PEOPLES STATE BANK OF COMMERCE — 2005
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 80,490,000 | 80,910,000 | 91,459,000 | 90,240,000 |
| Total loans | 55,263,000 | 57,005,000 | 61,279,000 | 58,824,000 |
| Allowance for loan losses | 629,000 | 601,000 | 477,000 | 497,000 |
| Securities available for sale | 11,860,000 | 11,751,000 | 11,379,000 | 11,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,047,000 | 66,130,000 | 74,907,000 | 78,393,000 |
| Interest-bearing deposits | 57,169,000 | 56,216,000 | 61,173,000 | 64,482,000 |
| Noninterest-bearing deposits | 10,878,000 | 9,914,000 | 13,734,000 | 13,911,000 |
| Equity capital | 10,328,000 | 10,651,000 | 11,452,000 | 11,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,161,000 | 2,346,000 | 3,685,000 | 5,165,000 |
| Interest expense | 211,000 | 482,000 | 835,000 | 1,250,000 |
| Net interest income | 950,000 | 1,864,000 | 2,850,000 | 3,915,000 |
| Noninterest income | 398,000 | 813,000 | 1,348,000 | 1,778,000 |
| Noninterest expense | 1,004,000 | 2,060,000 | 3,451,000 | 4,795,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 17,000 |
| Pretax income | 341,000 | 614,000 | 744,000 | 881,000 |
| Income tax | 22,000 | 38,000 | 41,000 | 49,000 |
| Net income | 319,000 | 576,000 | 703,000 | 832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,001,000 | 7,260,000 | 8,128,000 | 8,259,000 |
| Total capital | 7,630,000 | 7,861,000 | 8,605,000 | 8,756,000 |
| Risk-weighted assets | 51,106,000 | 52,718,000 | 58,189,000 | 55,674,000 |