Call reports 2013
PEOPLES STATE BANK OF COMMERCE — 2013
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 148,478,000 | 143,709,000 | 144,906,000 | 145,213,000 |
| Total loans | 85,853,000 | 87,780,000 | 88,657,000 | 88,634,000 |
| Allowance for loan losses | 1,645,000 | 1,549,000 | 1,592,000 | 1,831,000 |
| Securities available for sale | 27,781,000 | 26,121,000 | 11,545,000 | 12,121,000 |
| Securities held to maturity | 0 | 0 | 13,960,000 | 14,391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,977,000 | 134,647,000 | 136,597,000 | 136,822,000 |
| Interest-bearing deposits | 120,741,000 | 116,869,000 | 118,415,000 | 118,645,000 |
| Noninterest-bearing deposits | 18,236,000 | 17,778,000 | 18,182,000 | 18,177,000 |
| Equity capital | 9,215,000 | 8,778,000 | 8,004,000 | 7,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,430,000 | 2,872,000 | 4,418,000 | 5,990,000 |
| Interest expense | 247,000 | 492,000 | 726,000 | 953,000 |
| Net interest income | 1,183,000 | 2,380,000 | 3,692,000 | 5,037,000 |
| Noninterest income | 272,000 | 696,000 | 624,000 | 956,000 |
| Noninterest expense | 1,424,000 | 2,847,000 | 4,219,000 | 6,215,000 |
| Provision for loan losses | 0 | 225,000 | 440,000 | 1,190,000 |
| Pretax income | 31,000 | 4,000 | -343,000 | -1,412,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 31,000 | 4,000 | -343,000 | -1,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,178,000 | 9,151,000 | 8,804,000 | 7,735,000 |
| Total capital | 10,480,000 | 10,470,000 | 10,099,000 | 9,047,000 |
| Risk-weighted assets | 103,810,000 | 105,285,000 | 103,285,000 | 104,421,000 |