Call reports 2015
PEOPLE'S BANK OF COMMERCE — 2015
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 225,709,000 | 222,499,000 | 232,928,000 | 250,369,000 |
| Total loans | 150,866,000 | 152,826,000 | 156,612,000 | 162,531,000 |
| Allowance for loan losses | 1,895,000 | 1,887,000 | 1,957,000 | 1,964,000 |
| Securities available for sale | 23,481,000 | 25,182,000 | 27,553,000 | 36,717,000 |
| Securities held to maturity | 7,129,000 | 7,974,000 | 7,966,000 | 8,208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,262,000 | 197,686,000 | 207,489,000 | 224,470,000 |
| Interest-bearing deposits | 125,104,000 | 111,647,000 | 125,253,000 | 137,725,000 |
| Noninterest-bearing deposits | 76,158,000 | 86,039,000 | 82,237,000 | 86,745,000 |
| Equity capital | 22,899,000 | 23,218,000 | 23,736,000 | 24,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,099,000 | 4,265,000 | 6,470,000 | 8,730,000 |
| Interest expense | 93,000 | 187,000 | 291,000 | 418,000 |
| Net interest income | 2,006,000 | 4,078,000 | 6,179,000 | 8,312,000 |
| Noninterest income | 481,000 | 1,004,000 | 1,610,000 | 1,849,000 |
| Noninterest expense | 2,052,000 | 4,099,000 | 6,124,000 | 8,217,000 |
| Provision for loan losses | 8,000 | 8,000 | 77,000 | 77,000 |
| Pretax income | 476,000 | 1,024,000 | 1,637,000 | 1,916,000 |
| Income tax | 143,000 | 315,000 | 456,000 | 511,000 |
| Net income | 333,000 | 709,000 | 1,181,000 | 1,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,611,000 | 22,986,000 | 23,455,000 | 23,896,000 |
| Total capital | 24,577,000 | 24,916,000 | 25,470,000 | 25,923,000 |
| Risk-weighted assets | 164,536,000 | 163,611,000 | 169,227,000 | 183,160,000 |