Call reports 2014
PEOPLE'S BANK OF COMMERCE — 2014
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 192,352,000 | 202,896,000 | 209,547,000 | 214,679,000 |
| Total loans | 125,552,000 | 138,853,000 | 141,989,000 | 148,490,000 |
| Allowance for loan losses | 1,912,000 | 1,690,000 | 1,725,000 | 1,834,000 |
| Securities available for sale | 19,374,000 | 19,021,000 | 20,338,000 | 21,082,000 |
| Securities held to maturity | 3,554,000 | 3,550,000 | 4,025,000 | 6,298,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,687,000 | 179,687,000 | 185,681,000 | 190,568,000 |
| Interest-bearing deposits | 110,231,000 | 114,424,000 | 117,357,000 | 123,236,000 |
| Noninterest-bearing deposits | 59,456,000 | 65,263,000 | 68,324,000 | 67,332,000 |
| Equity capital | 21,278,000 | 21,639,000 | 22,020,000 | 22,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,776,000 | 3,659,000 | 5,702,000 | 7,764,000 |
| Interest expense | 106,000 | 195,000 | 287,000 | 382,000 |
| Net interest income | 1,670,000 | 3,464,000 | 5,415,000 | 7,382,000 |
| Noninterest income | 397,000 | 814,000 | 1,247,000 | 1,741,000 |
| Noninterest expense | 1,851,000 | 3,634,000 | 5,522,000 | 7,405,000 |
| Provision for loan losses | -65,000 | -74,000 | -74,000 | 25,000 |
| Pretax income | 281,000 | 721,000 | 1,217,000 | 1,696,000 |
| Income tax | 77,000 | 214,000 | 343,000 | 500,000 |
| Net income | 204,000 | 507,000 | 874,000 | 1,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,004,000 | 21,323,000 | 21,690,000 | 22,176,000 |
| Total capital | 22,708,000 | 23,041,000 | 23,453,000 | 24,084,000 |
| Risk-weighted assets | 136,112,000 | 148,142,000 | 153,775,000 | 160,941,000 |