Call reports 2015
PEOPLES STATE BANK OF COMMERCE — 2015
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 151,693,000 | 149,930,000 | 149,062,000 | 144,822,000 |
| Total loans | 90,058,000 | 90,942,000 | 94,577,000 | 93,709,000 |
| Allowance for loan losses | 1,765,000 | 1,728,000 | 1,711,000 | 1,740,000 |
| Securities available for sale | 12,555,000 | 12,138,000 | 13,302,000 | 11,314,000 |
| Securities held to maturity | 14,520,000 | 14,552,000 | 14,572,000 | 14,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,187,000 | 141,012,000 | 139,621,000 | 135,170,000 |
| Interest-bearing deposits | 122,540,000 | 119,466,000 | 117,012,000 | 112,171,000 |
| Noninterest-bearing deposits | 20,647,000 | 21,546,000 | 22,609,000 | 22,999,000 |
| Equity capital | 8,242,000 | 8,597,000 | 8,986,000 | 9,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,523,000 | 3,123,000 | 4,755,000 | 6,350,000 |
| Interest expense | 219,000 | 434,000 | 647,000 | 847,000 |
| Net interest income | 1,304,000 | 2,689,000 | 4,108,000 | 5,503,000 |
| Noninterest income | 406,000 | 848,000 | 1,394,000 | 1,713,000 |
| Noninterest expense | 1,393,000 | 2,794,000 | 4,183,000 | 5,505,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 317,000 | 743,000 | 1,319,000 | 1,661,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 317,000 | 743,000 | 1,319,000 | 1,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,591,000 | 8,964,000 | 9,320,000 | 9,576,000 |
| Total capital | 9,866,000 | 10,231,000 | 10,646,000 | 10,891,000 |
| Risk-weighted assets | 101,533,000 | 100,871,000 | 105,675,000 | 104,790,000 |