Call reports 2003
PEOPLES BANK OF COMMERCE — 2003
What PEOPLES 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 | 202,536,000 | 200,537,000 | 210,346,000 | 227,622,000 |
| Total loans | 151,228,000 | 150,708,000 | 153,636,000 | 172,431,000 |
| Allowance for loan losses | 2,553,000 | 2,616,000 | 2,745,000 | 2,681,000 |
| Securities available for sale | 30,019,000 | 29,333,000 | 33,917,000 | 36,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,879,000 | 170,970,000 | 180,818,000 | 189,087,000 |
| Interest-bearing deposits | 143,094,000 | 137,569,000 | 144,815,000 | 152,964,000 |
| Noninterest-bearing deposits | 30,785,000 | 33,401,000 | 36,003,000 | 36,123,000 |
| Equity capital | 17,720,000 | 18,662,000 | 18,298,000 | 18,646,000 |
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 | 3,070,000 | 6,158,000 | 9,256,000 | 12,411,000 |
| Interest expense | 692,000 | 1,331,000 | 1,954,000 | 2,588,000 |
| Net interest income | 2,378,000 | 4,827,000 | 7,302,000 | 9,823,000 |
| Noninterest income | 411,000 | 814,000 | 1,203,000 | 1,587,000 |
| Noninterest expense | 1,685,000 | 3,380,000 | 5,366,000 | 7,684,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 255,000 |
| Pretax income | 998,000 | 2,050,000 | 2,825,000 | 3,483,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 993,000 | 2,045,000 | 2,820,000 | 3,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,879,000 | 17,480,000 | 17,778,000 | 18,085,000 |
| Total capital | 18,937,000 | 19,536,000 | 19,918,000 | 20,450,000 |
| Risk-weighted assets | 164,172,000 | 163,924,000 | 170,597,000 | 188,853,000 |