Call reports 2025
PEOPLE'S BANK OF COMMERCE — 2025
What PEOPLE'S BANK OF COMMERCE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 812,255,000 | 811,098,000 | 810,393,000 | 788,704,000 |
| Total loans | 564,828,000 | 568,842,000 | 575,399,000 | 582,574,000 |
| Allowance for loan losses | 5,684,000 | 5,971,000 | 6,303,000 | 6,418,000 |
| Securities available for sale | 131,915,000 | 127,850,000 | 119,971,000 | 114,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 693,705,000 | 688,694,000 | 684,963,000 | 661,982,000 |
| Interest-bearing deposits | 443,078,000 | 438,274,000 | 437,922,000 | 433,048,000 |
| Noninterest-bearing deposits | 250,627,000 | 250,420,000 | 247,041,000 | 228,934,000 |
| Equity capital | 105,178,000 | 108,122,000 | 111,170,000 | 112,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,142,000 | 20,708,000 | 31,408,000 | 42,428,000 |
| Interest expense | 2,592,000 | 5,170,000 | 7,854,000 | 10,368,000 |
| Net interest income | 7,550,000 | 15,538,000 | 23,554,000 | 32,060,000 |
| Noninterest income | 1,062,000 | 2,202,000 | 3,243,000 | 4,310,000 |
| Noninterest expense | 5,724,000 | 11,567,000 | 17,478,000 | 23,423,000 |
| Provision for loan losses | 52,000 | 329,000 | 674,000 | 924,000 |
| Pretax income | 2,794,000 | 5,751,000 | 8,690,000 | 12,274,000 |
| Income tax | 714,000 | 1,471,000 | 2,211,000 | 3,142,000 |
| Net income | 2,080,000 | 4,280,000 | 6,479,000 | 9,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,585,000 | 113,229,000 | 115,264,000 | 116,039,000 |