Call reports 2004
PEOPLES BANK OF COMMERCE — 2004
What PEOPLES BANK OF COMMERCE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 233,700,000 | 248,187,000 | 256,594,000 | 268,843,000 |
| Total loans | 181,598,000 | 193,016,000 | 203,213,000 | 214,347,000 |
| Allowance for loan losses | 2,683,000 | 2,723,000 | 2,753,000 | 2,767,000 |
| Securities available for sale | 36,777,000 | 36,009,000 | 37,470,000 | 38,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,027,000 | 206,926,000 | 223,538,000 | 230,523,000 |
| Interest-bearing deposits | 166,638,000 | 171,052,000 | 183,221,000 | 191,648,000 |
| Noninterest-bearing deposits | 31,389,000 | 35,874,000 | 40,317,000 | 38,875,000 |
| Equity capital | 20,043,000 | 19,549,000 | 20,853,000 | 21,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,233,000 | 6,659,000 | 10,336,000 | 14,308,000 |
| Interest expense | 637,000 | 1,277,000 | 1,993,000 | 2,826,000 |
| Net interest income | 2,596,000 | 5,382,000 | 8,343,000 | 11,482,000 |
| Noninterest income | 402,000 | 831,000 | 1,241,000 | 1,805,000 |
| Noninterest expense | 1,878,000 | 3,775,000 | 6,029,000 | 8,903,000 |
| Provision for loan losses | 0 | 29,000 | 58,000 | 73,000 |
| Pretax income | 1,120,000 | 2,425,000 | 3,513,000 | 4,327,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,115,000 | 2,420,000 | 3,508,000 | 4,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,016,000 | 19,852,000 | 20,391,000 | 21,448,000 |
| Total capital | 21,490,000 | 22,428,000 | 23,083,000 | 24,215,000 |
| Risk-weighted assets | 197,743,000 | 205,928,000 | 215,271,000 | 226,182,000 |