Call reports 2008
PEOPLE'S BANK OF COMMERCE — 2008
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 86,647,000 | 84,724,000 | 84,651,000 | 87,258,000 |
| Total loans | 73,991,000 | 69,530,000 | 69,292,000 | 71,464,000 |
| Allowance for loan losses | 983,000 | 822,000 | 821,000 | 837,000 |
| Securities available for sale | 2,018,000 | 1,998,000 | 1,993,000 | 2,506,000 |
| Securities held to maturity | 2,588,000 | 2,582,000 | 2,576,000 | 2,570,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,432,000 | 68,103,000 | 72,606,000 | 74,371,000 |
| Interest-bearing deposits | 60,568,000 | 55,550,000 | 58,528,000 | 58,873,000 |
| Noninterest-bearing deposits | 13,864,000 | 12,553,000 | 14,078,000 | 15,498,000 |
| Equity capital | 11,582,000 | 11,487,000 | 11,391,000 | 11,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,507,000 | 2,864,000 | 4,154,000 | 5,444,000 |
| Interest expense | 576,000 | 1,025,000 | 1,453,000 | 1,874,000 |
| Net interest income | 931,000 | 1,839,000 | 2,701,000 | 3,570,000 |
| Noninterest income | 385,000 | 720,000 | 1,016,000 | 1,342,000 |
| Noninterest expense | 1,203,000 | 2,374,000 | 3,587,000 | 4,750,000 |
| Provision for loan losses | 21,000 | 116,000 | 105,000 | 141,000 |
| Pretax income | 92,000 | 69,000 | 25,000 | 21,000 |
| Income tax | 16,000 | -10,000 | -48,000 | -74,000 |
| Net income | 76,000 | 79,000 | 73,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,414,000 | 11,339,000 | 11,248,000 | 11,160,000 |
| Total capital | 12,400,000 | 12,182,000 | 12,083,000 | 12,009,000 |
| Risk-weighted assets | 78,831,000 | 76,907,000 | 75,783,000 | 74,298,000 |