Call reports 2005
PEOPLE'S BANK OF COMMERCE — 2005
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 67,128,000 | 69,575,000 | 71,677,000 | 76,373,000 |
| Total loans | 58,162,000 | 60,135,000 | 63,747,000 | 66,017,000 |
| Allowance for loan losses | 714,000 | 742,000 | 784,000 | 792,000 |
| Securities available for sale | 1,977,000 | 1,988,000 | 1,971,000 | 1,961,000 |
| Securities held to maturity | 2,658,000 | 2,652,000 | 2,646,000 | 2,640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,651,000 | 59,825,000 | 59,015,000 | 60,455,000 |
| Interest-bearing deposits | 42,765,000 | 45,189,000 | 44,745,000 | 47,497,000 |
| Noninterest-bearing deposits | 12,886,000 | 14,636,000 | 14,270,000 | 12,958,000 |
| Equity capital | 9,224,000 | 9,534,000 | 9,919,000 | 10,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,103,000 | 2,327,000 | 3,655,000 | 5,104,000 |
| Interest expense | 201,000 | 449,000 | 718,000 | 1,061,000 |
| Net interest income | 902,000 | 1,878,000 | 2,937,000 | 4,043,000 |
| Noninterest income | 413,000 | 890,000 | 1,386,000 | 1,707,000 |
| Noninterest expense | 884,000 | 1,827,000 | 2,768,000 | 3,811,000 |
| Provision for loan losses | 24,000 | 47,000 | 89,000 | 97,000 |
| Pretax income | 407,000 | 894,000 | 1,466,000 | 1,842,000 |
| Income tax | 147,000 | 324,000 | 534,000 | 642,000 |
| Net income | 260,000 | 570,000 | 932,000 | 1,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,238,000 | 9,541,000 | 9,787,000 | 10,055,000 |
| Total capital | 9,941,000 | 10,281,000 | 10,571,000 | 10,847,000 |
| Risk-weighted assets | 56,640,000 | 59,219,000 | 67,048,000 | 66,514,000 |