Call reports 2012
PEOPLE'S BANK OF COMMERCE — 2012
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 128,374,000 | 131,708,000 | 137,060,000 | 144,758,000 |
| Total loans | 99,560,000 | 103,209,000 | 107,958,000 | 115,743,000 |
| Allowance for loan losses | 1,652,000 | 1,621,000 | 1,750,000 | 1,833,000 |
| Securities available for sale | 12,641,000 | 11,145,000 | 10,922,000 | 10,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,653,000 | 115,786,000 | 120,767,000 | 125,736,000 |
| Interest-bearing deposits | 79,473,000 | 80,296,000 | 81,961,000 | 89,079,000 |
| Noninterest-bearing deposits | 33,180,000 | 35,490,000 | 38,806,000 | 36,657,000 |
| Equity capital | 13,872,000 | 14,102,000 | 14,384,000 | 14,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,474,000 | 3,000,000 | 4,574,000 | 6,166,000 |
| Interest expense | 182,000 | 352,000 | 488,000 | 630,000 |
| Net interest income | 1,292,000 | 2,648,000 | 4,086,000 | 5,536,000 |
| Noninterest income | 514,000 | 954,000 | 1,488,000 | 2,066,000 |
| Noninterest expense | 1,396,000 | 2,852,000 | 4,333,000 | 5,953,000 |
| Provision for loan losses | 72,000 | 127,000 | 242,000 | 361,000 |
| Pretax income | 338,000 | 623,000 | 999,000 | 1,288,000 |
| Income tax | 111,000 | 199,000 | 323,000 | 413,000 |
| Net income | 227,000 | 424,000 | 676,000 | 875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,565,000 | 13,761,000 | 14,013,000 | 14,295,000 |
| Total capital | 14,873,000 | 15,100,000 | 15,382,000 | 15,759,000 |
| Risk-weighted assets | 104,283,000 | 106,825,000 | 108,385,000 | 115,933,000 |