Call reports 2009
PEOPLE'S BANK OF COMMERCE — 2009
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 86,540,000 | 97,232,000 | 103,759,000 | 101,834,000 |
| Total loans | 73,900,000 | 75,563,000 | 78,501,000 | 78,143,000 |
| Allowance for loan losses | 882,000 | 1,209,000 | 1,215,000 | 1,222,000 |
| Securities available for sale | 1,610,000 | 8,713,000 | 9,091,000 | 11,558,000 |
| Securities held to maturity | 1,730,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,166,000 | 84,966,000 | 91,374,000 | 89,473,000 |
| Interest-bearing deposits | 56,026,000 | 68,745,000 | 71,702,000 | 73,038,000 |
| Noninterest-bearing deposits | 16,140,000 | 16,221,000 | 19,672,000 | 16,435,000 |
| Equity capital | 11,276,000 | 10,717,000 | 10,843,000 | 10,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,232,000 | 2,501,000 | 3,830,000 | 5,183,000 |
| Interest expense | 349,000 | 716,000 | 1,101,000 | 1,478,000 |
| Net interest income | 883,000 | 1,785,000 | 2,729,000 | 3,705,000 |
| Noninterest income | 442,000 | 956,000 | 1,372,000 | 1,696,000 |
| Noninterest expense | 1,226,000 | 2,525,000 | 3,781,000 | 5,013,000 |
| Provision for loan losses | 45,000 | 1,039,000 | 1,111,000 | 1,139,000 |
| Pretax income | 54,000 | -823,000 | -791,000 | -751,000 |
| Income tax | 2,000 | -342,000 | -357,000 | -365,000 |
| Net income | 52,000 | -481,000 | -434,000 | -386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,124,000 | 10,545,000 | 10,547,000 | 10,657,000 |
| Total capital | 12,017,000 | 11,540,000 | 11,575,000 | 11,666,000 |
| Risk-weighted assets | 74,212,000 | 78,581,000 | 81,907,000 | 80,546,000 |