Call reports 2003
PENINSULA BANK OF COMMERCE — 2003
What PENINSULA BANK OF COMMERCE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 492,682,000 | 475,255,000 | 420,303,000 | 394,628,000 |
| Total loans | 221,142,000 | 205,666,000 | 191,650,000 | 197,969,000 |
| Allowance for loan losses | 6,572,000 | 6,153,000 | 5,667,000 | 5,301,000 |
| Securities available for sale | 205,003,000 | 221,352,000 | 180,411,000 | 166,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,795,000 | 280,282,000 | 268,982,000 | 261,536,000 |
| Interest-bearing deposits | 352,387,000 | 264,768,000 | 255,005,000 | 245,680,000 |
| Noninterest-bearing deposits | 14,408,000 | 15,514,000 | 13,977,000 | 15,856,000 |
| Equity capital | 37,130,000 | 38,873,000 | 39,198,000 | 39,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,562,000 | 12,716,000 | 18,041,000 | 23,629,000 |
| Interest expense | 1,959,000 | 3,562,000 | 4,770,000 | 5,699,000 |
| Net interest income | 4,603,000 | 9,154,000 | 13,271,000 | 17,930,000 |
| Noninterest income | 324,000 | 625,000 | 887,000 | 1,117,000 |
| Noninterest expense | 1,987,000 | 3,835,000 | 5,714,000 | 7,396,000 |
| Provision for loan losses | -9,000 | -14,000 | 8,000 | -13,000 |
| Pretax income | 2,673,000 | 5,781,000 | 8,593,000 | 11,883,000 |
| Income tax | 990,000 | 2,142,000 | 3,195,000 | 4,462,000 |
| Net income | 1,683,000 | 3,639,000 | 5,398,000 | 7,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,008,000 | 43,693,000 | 45,030,000 | 46,592,000 |
| Total capital | 46,109,000 | 47,323,000 | 48,310,000 | 49,932,000 |
| Risk-weighted assets | 301,367,000 | 284,106,000 | 259,938,000 | 265,157,000 |