Call reports 2001
PENINSULA BANK OF COMMERCE — 2001
What PENINSULA BANK OF COMMERCE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 322,675,000 | 413,380,000 | 445,207,000 | 431,729,000 |
| Total loans | 231,439,000 | 235,298,000 | 233,843,000 | 219,028,000 |
| Allowance for loan losses | 4,625,000 | 4,674,000 | 4,425,000 | 6,295,000 |
| Securities available for sale | 74,623,000 | 145,151,000 | 191,499,000 | 193,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,076,000 | 277,427,000 | 231,075,000 | 243,064,000 |
| Interest-bearing deposits | 255,594,000 | 262,496,000 | 216,333,000 | 228,029,000 |
| Noninterest-bearing deposits | 12,482,000 | 14,931,000 | 14,742,000 | 15,035,000 |
| Equity capital | 25,320,000 | 26,806,000 | 28,979,000 | 27,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 6,277,000 | 13,559,000 | 21,519,000 | 29,157,000 |
| Interest expense | 1,983,000 | 4,672,000 | 7,853,000 | 10,615,000 |
| Net interest income | 4,294,000 | 8,887,000 | 13,666,000 | 18,542,000 |
| Noninterest income | 132,000 | 268,000 | 409,000 | 562,000 |
| Noninterest expense | 1,609,000 | 3,283,000 | 4,981,000 | 6,623,000 |
| Provision for loan losses | 16,000 | 762,000 | 1,800,000 | 4,419,000 |
| Pretax income | 2,819,000 | 5,179,000 | 7,637,000 | 8,347,000 |
| Income tax | 1,055,000 | 1,906,000 | 2,802,000 | 2,968,000 |
| Net income | 1,764,000 | 3,273,000 | 4,835,000 | 5,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,115,000 | 26,711,000 | 27,932,000 | 28,082,000 |
| Total capital | 28,612,000 | 30,384,000 | 31,549,000 | 31,571,000 |
| Risk-weighted assets | 278,606,000 | 292,806,000 | 288,563,000 | 276,316,000 |