Call reports 2016
PEOPLE'S BANK OF COMMERCE — 2016
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 271,135,000 | 260,068,000 | 264,616,000 | 266,093,000 |
| Total loans | 175,444,000 | 183,492,000 | 193,268,000 | 199,631,000 |
| Allowance for loan losses | 2,058,000 | 2,198,000 | 2,303,000 | 2,342,000 |
| Securities available for sale | 32,437,000 | 28,857,000 | 28,723,000 | 24,671,000 |
| Securities held to maturity | 8,538,000 | 8,528,000 | 8,519,000 | 8,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,879,000 | 233,035,000 | 236,833,000 | 238,137,000 |
| Interest-bearing deposits | 157,800,000 | 143,275,000 | 139,610,000 | 140,929,000 |
| Noninterest-bearing deposits | 87,079,000 | 89,761,000 | 97,223,000 | 97,208,000 |
| Equity capital | 24,528,000 | 25,154,000 | 25,684,000 | 26,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,394,000 | 4,918,000 | 7,517,000 | 10,202,000 |
| Interest expense | 138,000 | 267,000 | 378,000 | 479,000 |
| Net interest income | 2,256,000 | 4,651,000 | 7,139,000 | 9,723,000 |
| Noninterest income | 324,000 | 865,000 | 1,414,000 | 1,878,000 |
| Noninterest expense | 2,074,000 | 4,213,000 | 6,311,000 | 8,546,000 |
| Provision for loan losses | 93,000 | 227,000 | 330,000 | 366,000 |
| Pretax income | 418,000 | 1,089,000 | 1,967,000 | 2,757,000 |
| Income tax | 120,000 | 343,000 | 607,000 | 877,000 |
| Net income | 298,000 | 746,000 | 1,360,000 | 1,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,168,000 | 24,655,000 | 25,269,000 | 25,961,000 |
| Total capital | 26,283,000 | 26,905,000 | 27,624,000 | 28,353,000 |
| Risk-weighted assets | 194,374,000 | 199,743,000 | 210,066,000 | 212,319,000 |