Call reports 2002
PENINSULA BANK OF COMMERCE — 2002
What PENINSULA BANK OF COMMERCE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 503,137,000 | 584,086,000 | 573,165,000 | 537,316,000 |
| Total loans | 224,756,000 | 222,123,000 | 218,678,000 | 217,306,000 |
| Allowance for loan losses | 6,418,000 | 6,733,000 | 6,271,000 | 6,662,000 |
| Securities available for sale | 255,945,000 | 262,543,000 | 238,632,000 | 232,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,000,000 | 359,323,000 | 360,229,000 | 329,410,000 |
| Interest-bearing deposits | 228,897,000 | 348,055,000 | 345,182,000 | 311,949,000 |
| Noninterest-bearing deposits | 16,103,000 | 11,268,000 | 15,047,000 | 17,461,000 |
| Equity capital | 22,725,000 | 30,757,000 | 34,277,000 | 36,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,467,000 | 15,899,000 | 24,414,000 | 31,947,000 |
| Interest expense | 2,302,000 | 4,856,000 | 7,466,000 | 9,671,000 |
| Net interest income | 5,165,000 | 11,043,000 | 16,948,000 | 22,276,000 |
| Noninterest income | 103,000 | 277,000 | 507,000 | 717,000 |
| Noninterest expense | 1,571,000 | 3,264,000 | 4,818,000 | 6,485,000 |
| Provision for loan losses | 1,919,000 | 2,283,000 | 2,413,000 | 2,306,000 |
| Pretax income | 1,825,000 | 5,897,000 | 10,779,000 | 14,787,000 |
| Income tax | 631,000 | 2,159,000 | 3,877,000 | 5,374,000 |
| Net income | 1,194,000 | 3,738,000 | 6,902,000 | 9,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,102,000 | 34,923,000 | 38,058,000 | 40,522,000 |
| Total capital | 33,434,000 | 40,290,000 | 42,906,000 | 44,836,000 |
| Risk-weighted assets | 301,213,000 | 317,774,000 | 314,334,000 | 300,457,000 |