Call reports 2004
PEOPLE'S BANK OF COMMERCE — 2004
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 55,874,000 | 58,010,000 | 61,772,000 | 62,172,000 |
| Total loans | 44,076,000 | 48,007,000 | 54,158,000 | 53,092,000 |
| Allowance for loan losses | 598,000 | 643,000 | 678,000 | 690,000 |
| Securities available for sale | 2,530,000 | 3,001,000 | 2,007,000 | 2,002,000 |
| Securities held to maturity | 2,681,000 | 2,675,000 | 2,669,000 | 2,663,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,450,000 | 49,476,000 | 51,977,000 | 52,948,000 |
| Interest-bearing deposits | 37,098,000 | 39,650,000 | 40,562,000 | 41,778,000 |
| Noninterest-bearing deposits | 10,352,000 | 9,826,000 | 11,415,000 | 11,169,000 |
| Equity capital | 8,258,000 | 8,461,000 | 8,693,000 | 8,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 815,000 | 1,727,000 | 2,711,000 | 3,818,000 |
| Interest expense | 151,000 | 308,000 | 485,000 | 678,000 |
| Net interest income | 664,000 | 1,419,000 | 2,226,000 | 3,140,000 |
| Noninterest income | 406,000 | 851,000 | 1,285,000 | 1,754,000 |
| Noninterest expense | 799,000 | 1,609,000 | 2,444,000 | 3,363,000 |
| Provision for loan losses | -2,000 | 43,000 | 94,000 | 107,000 |
| Pretax income | 273,000 | 618,000 | 973,000 | 1,424,000 |
| Income tax | 95,000 | 218,000 | 345,000 | 509,000 |
| Net income | 178,000 | 400,000 | 628,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,243,000 | 8,461,000 | 8,689,000 | 8,978,000 |
| Total capital | 8,784,000 | 9,054,000 | 9,352,000 | 9,663,000 |
| Risk-weighted assets | 43,212,000 | 47,415,000 | 53,010,000 | 54,756,000 |