Call reports 2011
PEOPLE'S BANK OF COMMERCE — 2011
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 109,932,000 | 111,307,000 | 118,242,000 | 126,716,000 |
| Total loans | 84,911,000 | 84,643,000 | 94,583,000 | 98,002,000 |
| Allowance for loan losses | 1,350,000 | 1,380,000 | 1,525,000 | 1,583,000 |
| Securities available for sale | 9,312,000 | 12,661,000 | 11,228,000 | 11,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,443,000 | 96,513,000 | 100,184,000 | 110,571,000 |
| Interest-bearing deposits | 71,436,000 | 69,580,000 | 70,298,000 | 78,227,000 |
| Noninterest-bearing deposits | 24,007,000 | 26,933,000 | 29,886,000 | 32,345,000 |
| Equity capital | 12,929,000 | 13,190,000 | 13,352,000 | 13,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,297,000 | 2,643,000 | 4,055,000 | 5,540,000 |
| Interest expense | 183,000 | 355,000 | 521,000 | 700,000 |
| Net interest income | 1,114,000 | 2,288,000 | 3,534,000 | 4,840,000 |
| Noninterest income | 305,000 | 531,000 | 876,000 | 1,368,000 |
| Noninterest expense | 1,231,000 | 2,564,000 | 3,879,000 | 5,199,000 |
| Provision for loan losses | 58,000 | 96,000 | 258,000 | 411,000 |
| Pretax income | 130,000 | 178,000 | 395,000 | 720,000 |
| Income tax | 33,000 | 18,000 | 80,000 | 192,000 |
| Net income | 97,000 | 160,000 | 315,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,717,000 | 12,927,000 | 13,081,000 | 13,339,000 |
| Total capital | 13,815,000 | 14,029,000 | 14,275,000 | 14,631,000 |
| Risk-weighted assets | 87,566,000 | 87,920,000 | 95,160,000 | 102,264,000 |