Call reports 2011
PEOPLES STATE BANK OF COMMERCE — 2011
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 253,836,000 | 242,083,000 | 241,901,000 | 223,306,000 |
| Total loans | 167,435,000 | 163,400,000 | 155,779,000 | 142,464,000 |
| Allowance for loan losses | 3,647,000 | 4,640,000 | 10,124,000 | 3,017,000 |
| Securities available for sale | 34,383,000 | 35,502,000 | 31,647,000 | 28,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,711,000 | 200,288,000 | 200,910,000 | 199,438,000 |
| Interest-bearing deposits | 177,058,000 | 166,582,000 | 158,004,000 | 166,613,000 |
| Noninterest-bearing deposits | 33,653,000 | 33,706,000 | 42,906,000 | 32,825,000 |
| Equity capital | 29,530,000 | 28,418,000 | 22,217,000 | 12,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,073,000 | 5,506,000 | 8,081,000 | 10,421,000 |
| Interest expense | 545,000 | 1,062,000 | 1,543,000 | 1,996,000 |
| Net interest income | 2,528,000 | 4,444,000 | 6,538,000 | 8,425,000 |
| Noninterest income | 631,000 | 998,000 | 1,482,000 | 2,015,000 |
| Noninterest expense | 3,098,000 | 5,656,000 | 8,142,000 | 18,134,000 |
| Provision for loan losses | 0 | 1,050,000 | 7,150,000 | 8,915,000 |
| Pretax income | 61,000 | -1,264,000 | -7,272,000 | -16,609,000 |
| Income tax | 5,000 | -76,000 | 207,000 | 232,000 |
| Net income | 56,000 | -1,188,000 | -7,479,000 | -16,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,854,000 | 20,760,000 | 14,619,000 | 9,659,000 |
| Total capital | 24,263,000 | 23,113,000 | 16,847,000 | 11,716,000 |
| Risk-weighted assets | 191,466,000 | 185,922,000 | 170,379,000 | 163,595,000 |