Call reports 2016
PEOPLES STATE BANK OF COMMERCE — 2016
What PEOPLES STATE BANK OF COMMERCE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 152,490,000 | 151,901,000 | 155,737,000 | 158,811,000 |
| Total loans | 94,089,000 | 95,251,000 | 97,575,000 | 96,561,000 |
| Allowance for loan losses | 1,736,000 | 1,494,000 | 1,495,000 | 1,500,000 |
| Securities available for sale | 24,857,000 | 24,242,000 | 23,856,000 | 22,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,162,000 | 134,839,000 | 138,179,000 | 139,206,000 |
| Interest-bearing deposits | 110,072,000 | 110,228,000 | 110,749,000 | 113,374,000 |
| Noninterest-bearing deposits | 26,090,000 | 24,611,000 | 27,430,000 | 25,832,000 |
| Equity capital | 15,890,000 | 16,235,000 | 16,581,000 | 18,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,594,000 | 3,230,000 | 4,864,000 | 6,489,000 |
| Interest expense | 184,000 | 369,000 | 554,000 | 740,000 |
| Net interest income | 1,410,000 | 2,861,000 | 4,310,000 | 5,749,000 |
| Noninterest income | 426,000 | 910,000 | 1,415,000 | 1,913,000 |
| Noninterest expense | 1,365,000 | 2,796,000 | 4,318,000 | 5,869,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 482,000 | 985,000 | 1,421,000 | 1,807,000 |
| Income tax | -1,946,000 | -1,710,000 | -1,602,000 | -3,585,000 |
| Net income | 2,428,000 | 2,695,000 | 3,023,000 | 5,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,696,000 | 15,997,000 | 16,353,000 | 18,948,000 |
| Total capital | 16,972,000 | 17,293,000 | 17,647,000 | 20,252,000 |
| Risk-weighted assets | 101,345,000 | 103,313,000 | 103,183,000 | 104,091,000 |