Call reports 2014
PEOPLES STATE BANK OF COMMERCE — 2014
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 146,318,000 | 147,929,000 | 148,509,000 | 146,132,000 |
| Total loans | 89,274,000 | 92,468,000 | 91,191,000 | 90,526,000 |
| Allowance for loan losses | 1,518,000 | 1,665,000 | 1,608,000 | 1,634,000 |
| Securities available for sale | 13,023,000 | 12,855,000 | 12,502,000 | 12,286,000 |
| Securities held to maturity | 14,417,000 | 14,443,000 | 14,469,000 | 14,495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,854,000 | 139,701,000 | 140,504,000 | 137,851,000 |
| Interest-bearing deposits | 118,087,000 | 120,827,000 | 120,589,000 | 118,397,000 |
| Noninterest-bearing deposits | 19,767,000 | 18,874,000 | 19,915,000 | 19,454,000 |
| Equity capital | 7,637,000 | 7,794,000 | 7,639,000 | 7,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,493,000 | 3,085,000 | 4,659,000 | 6,246,000 |
| Interest expense | 217,000 | 437,000 | 660,000 | 883,000 |
| Net interest income | 1,276,000 | 2,648,000 | 3,999,000 | 5,363,000 |
| Noninterest income | 237,000 | 407,000 | 704,000 | 1,038,000 |
| Noninterest expense | 1,300,000 | 2,518,000 | 3,741,000 | 5,117,000 |
| Provision for loan losses | 50,000 | 323,000 | 630,000 | 788,000 |
| Pretax income | 163,000 | 214,000 | 332,000 | 539,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 163,000 | 214,000 | 332,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,898,000 | 7,950,000 | 8,067,000 | 8,274,000 |
| Total capital | 9,230,000 | 9,261,000 | 9,354,000 | 9,542,000 |
| Risk-weighted assets | 106,366,000 | 104,562,000 | 102,669,000 | 101,056,000 |