Call reports 2006
PEOPLE'S BANK OF COMMERCE — 2006
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 76,718,000 | 85,009,000 | 82,775,000 | 82,946,000 |
| Total loans | 68,115,000 | 69,993,000 | 65,161,000 | 62,277,000 |
| Allowance for loan losses | 789,000 | 782,000 | 746,000 | 723,000 |
| Securities available for sale | 1,954,000 | 1,948,000 | 1,967,000 | 1,971,000 |
| Securities held to maturity | 2,634,000 | 2,629,000 | 2,623,000 | 2,617,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,837,000 | 73,833,000 | 71,179,000 | 71,038,000 |
| Interest-bearing deposits | 52,670,000 | 60,826,000 | 58,574,000 | 57,752,000 |
| Noninterest-bearing deposits | 13,167,000 | 13,007,000 | 12,604,000 | 13,286,000 |
| Equity capital | 10,502,000 | 10,788,000 | 11,062,000 | 11,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,532,000 | 3,220,000 | 4,993,000 | 6,594,000 |
| Interest expense | 399,000 | 936,000 | 1,534,000 | 2,134,000 |
| Net interest income | 1,133,000 | 2,284,000 | 3,459,000 | 4,460,000 |
| Noninterest income | 359,000 | 758,000 | 1,139,000 | 1,558,000 |
| Noninterest expense | 1,020,000 | 2,049,000 | 3,123,000 | 4,225,000 |
| Provision for loan losses | -3,000 | -11,000 | -50,000 | -74,000 |
| Pretax income | 475,000 | 1,004,000 | 1,525,000 | 1,867,000 |
| Income tax | 173,000 | 358,000 | 539,000 | 654,000 |
| Net income | 302,000 | 646,000 | 986,000 | 1,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,381,000 | 10,671,000 | 10,933,000 | 11,105,000 |
| Total capital | 11,170,000 | 11,453,000 | 11,679,000 | 11,848,000 |
| Risk-weighted assets | 66,705,000 | 72,209,000 | 68,659,000 | 66,938,000 |