Call reports 2007
PEOPLES STATE BANK OF COMMERCE — 2007
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 245,352,000 | 241,272,000 | 239,050,000 | 236,011,000 |
| Total loans | 105,677,000 | 112,426,000 | 120,839,000 | 138,117,000 |
| Allowance for loan losses | 566,000 | 620,000 | 683,000 | 857,000 |
| Securities available for sale | 90,936,000 | 81,505,000 | 77,956,000 | 55,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,777,000 | 212,313,000 | 209,393,000 | 205,864,000 |
| Interest-bearing deposits | 182,846,000 | 181,239,000 | 178,589,000 | 175,636,000 |
| Noninterest-bearing deposits | 31,931,000 | 31,074,000 | 30,804,000 | 30,228,000 |
| Equity capital | 29,598,000 | 28,040,000 | 28,634,000 | 29,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,818,000 | 7,647,000 | 11,528,000 | 15,228,000 |
| Interest expense | 1,731,000 | 3,429,000 | 5,164,000 | 6,824,000 |
| Net interest income | 2,087,000 | 4,218,000 | 6,364,000 | 8,404,000 |
| Noninterest income | 514,000 | 1,072,000 | 1,623,000 | 2,106,000 |
| Noninterest expense | 2,302,000 | 4,586,000 | 6,982,000 | 9,131,000 |
| Provision for loan losses | 13,000 | 58,000 | 146,000 | 350,000 |
| Pretax income | 409,000 | 768,000 | 981,000 | 1,296,000 |
| Income tax | 23,000 | 52,000 | 68,000 | 97,000 |
| Net income | 386,000 | 716,000 | 913,000 | 1,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,218,000 | 17,217,000 | 17,083,000 | 16,896,000 |
| Total capital | 17,784,000 | 17,837,000 | 17,766,000 | 17,753,000 |
| Risk-weighted assets | 126,193,000 | 131,821,000 | 138,716,000 | 152,532,000 |