Call reports 2012
PEOPLES STATE BANK OF COMMERCE — 2012
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 208,813,000 | 206,407,000 | 202,302,000 | 144,959,000 |
| Total loans | 128,723,000 | 122,012,000 | 118,748,000 | 89,934,000 |
| Allowance for loan losses | 2,663,000 | 2,450,000 | 2,418,000 | 2,696,000 |
| Securities available for sale | 31,035,000 | 29,080,000 | 31,931,000 | 27,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,580,000 | 193,500,000 | 189,490,000 | 135,346,000 |
| Interest-bearing deposits | 165,823,000 | 162,578,000 | 161,351,000 | 117,864,000 |
| Noninterest-bearing deposits | 29,757,000 | 30,922,000 | 28,139,000 | 17,482,000 |
| Equity capital | 12,807,000 | 12,385,000 | 12,271,000 | 9,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,392,000 | 4,428,000 | 6,487,000 | 8,077,000 |
| Interest expense | 418,000 | 801,000 | 1,167,000 | 1,465,000 |
| Net interest income | 1,974,000 | 3,627,000 | 5,320,000 | 6,612,000 |
| Noninterest income | 304,000 | 624,000 | 955,000 | 2,653,000 |
| Noninterest expense | 2,160,000 | 4,226,000 | 6,381,000 | 10,602,000 |
| Provision for loan losses | 0 | 450,000 | 450,000 | 1,850,000 |
| Pretax income | 118,000 | -425,000 | -416,000 | -3,036,000 |
| Income tax | 45,000 | 0 | 0 | 0 |
| Net income | 73,000 | -425,000 | -416,000 | -3,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,961,000 | 9,614,000 | 9,773,000 | 9,147,000 |
| Total capital | 11,854,000 | 11,418,000 | 11,523,000 | 10,482,000 |
| Risk-weighted assets | 150,663,000 | 143,662,000 | 139,292,000 | 105,478,000 |