Call reports 2007
PEOPLE'S BANK OF COMMERCE — 2007
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 79,957,000 | 81,619,000 | 84,813,000 | 87,139,000 |
| Total loans | 62,377,000 | 67,411,000 | 73,470,000 | 75,416,000 |
| Allowance for loan losses | 708,000 | 779,000 | 884,000 | 969,000 |
| Securities available for sale | 2,478,000 | 2,481,000 | 1,991,000 | 1,994,000 |
| Securities held to maturity | 2,611,000 | 2,605,000 | 2,599,000 | 2,594,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,224,000 | 69,560,000 | 72,486,000 | 73,990,000 |
| Interest-bearing deposits | 55,893,000 | 56,130,000 | 58,005,000 | 60,763,000 |
| Noninterest-bearing deposits | 12,331,000 | 13,430,000 | 14,481,000 | 13,227,000 |
| Equity capital | 11,321,000 | 11,465,000 | 11,555,000 | 11,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,489,000 | 3,017,000 | 4,605,000 | 6,246,000 |
| Interest expense | 577,000 | 1,126,000 | 1,691,000 | 2,309,000 |
| Net interest income | 912,000 | 1,891,000 | 2,914,000 | 3,937,000 |
| Noninterest income | 329,000 | 678,000 | 1,116,000 | 1,396,000 |
| Noninterest expense | 1,101,000 | 2,163,000 | 3,292,000 | 4,371,000 |
| Provision for loan losses | -15,000 | 56,000 | 161,000 | 246,000 |
| Pretax income | 155,000 | 350,000 | 577,000 | 716,000 |
| Income tax | 43,000 | 100,000 | 169,000 | 206,000 |
| Net income | 112,000 | 250,000 | 408,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,184,000 | 11,327,000 | 11,410,000 | 11,460,000 |
| Total capital | 11,916,000 | 12,130,000 | 12,318,000 | 12,452,000 |
| Risk-weighted assets | 66,014,000 | 71,881,000 | 76,787,000 | 80,696,000 |