Call reports 2003
PEOPLE'S BANK OF COMMERCE — 2003
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 49,537,000 | 51,559,000 | 51,392,000 | 53,692,000 |
| Total loans | 33,892,000 | 38,481,000 | 37,399,000 | 41,640,000 |
| Allowance for loan losses | 528,000 | 601,000 | 599,000 | 633,000 |
| Securities available for sale | 7,074,000 | 4,042,000 | 3,549,000 | 4,034,000 |
| Securities held to maturity | 2,704,000 | 2,698,000 | 2,693,000 | 2,687,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,888,000 | 43,708,000 | 43,263,000 | 45,267,000 |
| Interest-bearing deposits | 33,806,000 | 35,019,000 | 34,260,000 | 34,738,000 |
| Noninterest-bearing deposits | 8,082,000 | 8,689,000 | 9,003,000 | 10,529,000 |
| Equity capital | 7,395,000 | 7,603,000 | 7,856,000 | 8,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 673,000 | 1,391,000 | 2,143,000 | 2,939,000 |
| Interest expense | 182,000 | 353,000 | 517,000 | 673,000 |
| Net interest income | 491,000 | 1,038,000 | 1,626,000 | 2,266,000 |
| Noninterest income | 554,000 | 1,353,000 | 2,040,000 | 2,557,000 |
| Noninterest expense | 763,000 | 1,684,000 | 2,568,000 | 3,326,000 |
| Provision for loan losses | 36,000 | 111,000 | 115,000 | 147,000 |
| Pretax income | 246,000 | 596,000 | 983,000 | 1,350,000 |
| Income tax | 85,000 | 210,000 | 349,000 | 481,000 |
| Net income | 161,000 | 386,000 | 634,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,359,000 | 7,582,000 | 7,829,000 | 8,065,000 |
| Total capital | 7,800,000 | 8,071,000 | 8,336,000 | 8,579,000 |
| Risk-weighted assets | 35,164,000 | 38,996,000 | 40,467,000 | 41,037,000 |