Call reports 2002
PEOPLE'S BANK OF COMMERCE — 2002
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 42,359,000 | 46,144,000 | 47,775,000 | 46,284,000 |
| Total loans | 36,860,000 | 35,283,000 | 36,236,000 | 30,643,000 |
| Allowance for loan losses | 553,000 | 503,000 | 525,000 | 500,000 |
| Securities available for sale | 2,500,000 | 2,543,000 | 2,057,000 | 6,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 2,466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,435,000 | 38,937,000 | 40,601,000 | 38,759,000 |
| Interest-bearing deposits | 30,108,000 | 32,914,000 | 33,352,000 | 32,187,000 |
| Noninterest-bearing deposits | 5,327,000 | 6,023,000 | 7,249,000 | 6,572,000 |
| Equity capital | 6,701,000 | 6,831,000 | 6,976,000 | 7,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 734,000 | 1,469,000 | 2,180,000 | 2,904,000 |
| Interest expense | 224,000 | 439,000 | 668,000 | 881,000 |
| Net interest income | 510,000 | 1,030,000 | 1,512,000 | 2,023,000 |
| Noninterest income | 464,000 | 777,000 | 1,186,000 | 1,807,000 |
| Noninterest expense | 688,000 | 1,339,000 | 2,001,000 | 2,733,000 |
| Provision for loan losses | 42,000 | 64,000 | 81,000 | 63,000 |
| Pretax income | 244,000 | 404,000 | 616,000 | 1,034,000 |
| Income tax | 88,000 | 146,000 | 222,000 | 391,000 |
| Net income | 156,000 | 258,000 | 394,000 | 643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,711,000 | 6,813,000 | 6,948,000 | 7,198,000 |
| Total capital | 7,130,000 | 7,240,000 | 7,387,000 | 7,596,000 |
| Risk-weighted assets | 33,384,000 | 34,108,000 | 35,037,000 | 31,713,000 |