Call reports 2009
PEOPLES STATE BANK OF COMMERCE — 2009
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 246,650,000 | 250,804,000 | 253,306,000 | 289,808,000 |
| Total loans | 159,940,000 | 162,446,000 | 172,866,000 | 182,229,000 |
| Allowance for loan losses | 1,149,000 | 1,314,000 | 1,675,000 | 1,833,000 |
| Securities available for sale | 31,400,000 | 38,502,000 | 36,223,000 | 39,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,491,000 | 207,016,000 | 208,830,000 | 240,832,000 |
| Interest-bearing deposits | 170,767,000 | 174,649,000 | 173,069,000 | 204,115,000 |
| Noninterest-bearing deposits | 31,724,000 | 32,367,000 | 35,761,000 | 36,717,000 |
| Equity capital | 28,687,000 | 28,119,000 | 28,778,000 | 31,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,959,000 | 5,870,000 | 8,793,000 | 11,982,000 |
| Interest expense | 987,000 | 1,942,000 | 2,858,000 | 3,714,000 |
| Net interest income | 1,972,000 | 3,928,000 | 5,935,000 | 8,268,000 |
| Noninterest income | 332,000 | 753,000 | 1,514,000 | 2,108,000 |
| Noninterest expense | 2,293,000 | 4,794,000 | 7,691,000 | 10,824,000 |
| Provision for loan losses | 241,000 | 467,000 | 1,458,000 | 2,658,000 |
| Pretax income | 562,000 | 212,000 | -908,000 | -2,314,000 |
| Income tax | 40,000 | 25,000 | -60,000 | -146,000 |
| Net income | 522,000 | 187,000 | -848,000 | -2,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,686,000 | 17,502,000 | 17,719,000 | 20,550,000 |
| Total capital | 18,835,000 | 18,816,000 | 19,394,000 | 22,383,000 |
| Risk-weighted assets | 173,298,000 | 176,772,000 | 186,824,000 | 196,825,000 |