Call reports 2010
PEOPLES STATE BANK OF COMMERCE — 2010
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 282,162,000 | 299,458,000 | 283,661,000 | 255,959,000 |
| Total loans | 194,890,000 | 204,798,000 | 196,931,000 | 177,297,000 |
| Allowance for loan losses | 1,905,000 | 2,077,000 | 2,143,000 | 3,770,000 |
| Securities available for sale | 40,854,000 | 44,913,000 | 43,388,000 | 33,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,529,000 | 239,392,000 | 233,870,000 | 202,438,000 |
| Interest-bearing deposits | 192,242,000 | 204,014,000 | 199,131,000 | 171,384,000 |
| Noninterest-bearing deposits | 34,287,000 | 35,378,000 | 34,739,000 | 31,054,000 |
| Equity capital | 31,668,000 | 32,784,000 | 33,017,000 | 29,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,397,000 | 6,996,000 | 10,769,000 | 14,277,000 |
| Interest expense | 837,000 | 1,597,000 | 2,328,000 | 3,001,000 |
| Net interest income | 2,560,000 | 5,399,000 | 8,441,000 | 11,276,000 |
| Noninterest income | 965,000 | 1,741,000 | 2,609,000 | 3,745,000 |
| Noninterest expense | 3,307,000 | 6,525,000 | 9,859,000 | 15,323,000 |
| Provision for loan losses | 145,000 | 511,000 | 873,000 | 2,573,000 |
| Pretax income | 128,000 | 159,000 | 373,000 | -2,694,000 |
| Income tax | 9,000 | 11,000 | 28,000 | -22,000 |
| Net income | 119,000 | 148,000 | 345,000 | -2,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,822,000 | 21,847,000 | 22,196,000 | 21,649,000 |
| Total capital | 22,727,000 | 23,924,000 | 24,339,000 | 24,213,000 |
| Risk-weighted assets | 218,163,000 | 231,686,000 | 224,741,000 | 203,921,000 |