Call reports 2013
PEOPLE'S BANK OF COMMERCE — 2013
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 156,155,000 | 161,059,000 | 170,617,000 | 181,530,000 |
| Total loans | 118,761,000 | 119,525,000 | 122,730,000 | 126,317,000 |
| Allowance for loan losses | 1,924,000 | 1,904,000 | 2,010,000 | 1,961,000 |
| Securities available for sale | 10,645,000 | 9,285,000 | 11,133,000 | 12,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 3,557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,093,000 | 143,562,000 | 147,961,000 | 158,274,000 |
| Interest-bearing deposits | 94,022,000 | 97,020,000 | 96,862,000 | 102,885,000 |
| Noninterest-bearing deposits | 45,071,000 | 46,543,000 | 51,099,000 | 55,389,000 |
| Equity capital | 15,116,000 | 15,408,000 | 20,064,000 | 21,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,621,000 | 3,310,000 | 5,043,000 | 6,856,000 |
| Interest expense | 143,000 | 259,000 | 369,000 | 479,000 |
| Net interest income | 1,478,000 | 3,051,000 | 4,674,000 | 6,377,000 |
| Noninterest income | 427,000 | 916,000 | 1,420,000 | 2,033,000 |
| Noninterest expense | 1,687,000 | 3,357,000 | 5,089,000 | 6,840,000 |
| Provision for loan losses | 88,000 | 88,000 | 154,000 | 57,000 |
| Pretax income | 130,000 | 522,000 | 851,000 | 1,513,000 |
| Income tax | 27,000 | 160,000 | 266,000 | 501,000 |
| Net income | 103,000 | 362,000 | 585,000 | 1,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,732,000 | 15,067,000 | 19,786,000 | 20,800,000 |
| Total capital | 16,260,000 | 16,629,000 | 21,375,000 | 22,457,000 |
| Risk-weighted assets | 121,755,000 | 124,710,000 | 126,773,000 | 132,244,000 |