Call reports 2010
PEOPLE'S BANK OF COMMERCE — 2010
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 109,131,000 | 104,408,000 | 104,564,000 | 106,059,000 |
| Total loans | 80,382,000 | 83,065,000 | 84,791,000 | 81,509,000 |
| Allowance for loan losses | 1,309,000 | 1,487,000 | 1,499,000 | 1,430,000 |
| Securities available for sale | 9,049,000 | 9,138,000 | 9,431,000 | 9,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,702,000 | 91,858,000 | 91,800,000 | 91,879,000 |
| Interest-bearing deposits | 77,936,000 | 73,122,000 | 70,879,000 | 71,270,000 |
| Noninterest-bearing deposits | 18,766,000 | 18,736,000 | 20,921,000 | 20,609,000 |
| Equity capital | 10,910,000 | 11,004,000 | 11,227,000 | 12,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,338,000 | 2,686,000 | 4,036,000 | 5,336,000 |
| Interest expense | 353,000 | 668,000 | 943,000 | 1,176,000 |
| Net interest income | 985,000 | 2,018,000 | 3,093,000 | 4,160,000 |
| Noninterest income | 274,000 | 633,000 | 1,094,000 | 1,462,000 |
| Noninterest expense | 1,178,000 | 2,369,000 | 3,609,000 | 4,939,000 |
| Provision for loan losses | 85,000 | 224,000 | 290,000 | 251,000 |
| Pretax income | 18,000 | 80,000 | 309,000 | 453,000 |
| Income tax | -14,000 | -11,000 | 56,000 | 90,000 |
| Net income | 32,000 | 91,000 | 253,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,689,000 | 10,750,000 | 10,911,000 | 12,227,000 |
| Total capital | 11,740,000 | 11,836,000 | 11,974,000 | 13,295,000 |
| Risk-weighted assets | 83,616,000 | 86,475,000 | 84,436,000 | 85,136,000 |