Call reports 2005
PEOPLES BANK OF COMMERCE — 2005
What PEOPLES BANK OF COMMERCE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 271,687,000 | 278,461,000 | 289,058,000 | 288,843,000 |
| Total loans | 220,314,000 | 224,731,000 | 238,601,000 | 237,082,000 |
| Allowance for loan losses | 2,848,000 | 2,973,000 | 3,043,000 | 3,194,000 |
| Securities available for sale | 36,889,000 | 36,272,000 | 36,789,000 | 36,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,077,000 | 241,382,000 | 231,224,000 | 237,328,000 |
| Interest-bearing deposits | 193,311,000 | 202,427,000 | 193,361,000 | 196,008,000 |
| Noninterest-bearing deposits | 39,766,000 | 38,955,000 | 37,863,000 | 41,320,000 |
| Equity capital | 22,272,000 | 23,430,000 | 23,861,000 | 23,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,976,000 | 8,336,000 | 12,958,000 | 17,940,000 |
| Interest expense | 948,000 | 2,085,000 | 3,420,000 | 4,988,000 |
| Net interest income | 3,028,000 | 6,251,000 | 9,538,000 | 12,952,000 |
| Noninterest income | 502,000 | 1,000,000 | 1,574,000 | 2,168,000 |
| Noninterest expense | 2,100,000 | 4,238,000 | 6,688,000 | 9,592,000 |
| Provision for loan losses | 80,000 | 200,000 | 320,000 | 440,000 |
| Pretax income | 1,350,000 | 2,813,000 | 4,104,000 | 5,088,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,345,000 | 2,808,000 | 4,099,000 | 5,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,451,000 | 23,348,000 | 24,024,000 | 24,464,000 |
| Total capital | 25,299,000 | 26,310,000 | 27,067,000 | 27,577,000 |
| Risk-weighted assets | 231,686,000 | 236,943,000 | 251,136,000 | 248,982,000 |