Call reports 2006
PEOPLES STATE BANK OF COMMERCE — 2006
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 107,615,000 | 147,694,000 | 241,584,000 | 242,211,000 |
| Total loans | 60,735,000 | 73,071,000 | 101,346,000 | 96,594,000 |
| Allowance for loan losses | 490,000 | 485,000 | 628,000 | 602,000 |
| Securities available for sale | 16,500,000 | 25,214,000 | 48,423,000 | 89,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,949,000 | 132,102,000 | 211,820,000 | 211,771,000 |
| Interest-bearing deposits | 81,964,000 | 111,468,000 | 179,864,000 | 181,746,000 |
| Noninterest-bearing deposits | 13,985,000 | 20,634,000 | 31,956,000 | 30,025,000 |
| Equity capital | 11,315,000 | 14,972,000 | 28,797,000 | 29,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,524,000 | 3,419,000 | 5,879,000 | 9,626,000 |
| Interest expense | 495,000 | 1,277,000 | 2,291,000 | 3,979,000 |
| Net interest income | 1,029,000 | 2,142,000 | 3,588,000 | 5,647,000 |
| Noninterest income | 569,000 | 925,000 | 2,214,000 | 2,729,000 |
| Noninterest expense | 1,484,000 | 2,917,000 | 4,686,000 | 7,010,000 |
| Provision for loan losses | 0 | 0 | 19,000 | 19,000 |
| Pretax income | 114,000 | 150,000 | 1,097,000 | 1,347,000 |
| Income tax | 7,000 | 8,000 | 68,000 | 89,000 |
| Net income | 107,000 | 142,000 | 1,029,000 | 1,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,092,000 | 9,500,000 | 16,250,000 | 16,662,000 |
| Total capital | 8,582,000 | 9,985,000 | 16,878,000 | 17,264,000 |
| Risk-weighted assets | 61,739,000 | 80,219,000 | 119,855,000 | 117,088,000 |