Call reports 2008
PEOPLES STATE BANK OF COMMERCE — 2008
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 240,491,000 | 239,394,000 | 237,416,000 | 238,261,000 |
| Total loans | 148,685,000 | 147,801,000 | 159,221,000 | 159,617,000 |
| Allowance for loan losses | 1,213,000 | 1,106,000 | 1,004,000 | 1,150,000 |
| Securities available for sale | 46,405,000 | 45,337,000 | 41,527,000 | 38,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,595,000 | 200,683,000 | 192,669,000 | 193,213,000 |
| Interest-bearing deposits | 177,767,000 | 167,980,000 | 162,291,000 | 163,021,000 |
| Noninterest-bearing deposits | 32,828,000 | 32,703,000 | 30,378,000 | 30,192,000 |
| Equity capital | 29,023,000 | 27,932,000 | 28,686,000 | 29,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,531,000 | 6,884,000 | 10,207,000 | 13,421,000 |
| Interest expense | 1,533,000 | 2,786,000 | 3,966,000 | 5,042,000 |
| Net interest income | 1,998,000 | 4,098,000 | 6,241,000 | 8,379,000 |
| Noninterest income | 463,000 | 895,000 | 1,380,000 | 1,808,000 |
| Noninterest expense | 2,184,000 | 4,503,000 | 6,847,000 | 9,240,000 |
| Provision for loan losses | 360,000 | 360,000 | 442,000 | 649,000 |
| Pretax income | 276,000 | 489,000 | 691,000 | 699,000 |
| Income tax | 40,000 | 48,000 | 55,000 | 66,000 |
| Net income | 236,000 | 441,000 | 636,000 | 633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,959,000 | 17,316,000 | 17,663,000 | 17,262,000 |
| Total capital | 18,172,000 | 18,422,000 | 18,667,000 | 18,412,000 |
| Risk-weighted assets | 162,161,000 | 164,771,000 | 171,871,000 | 170,384,000 |
Machine access — free, no API key
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