Call reports 2006
PEOPLES BANK OF COMMERCE — 2006
What PEOPLES BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 292,913,000 | 304,156,000 | 320,572,000 | 334,512,000 |
| Total loans | 242,600,000 | 254,566,000 | 271,714,000 | 284,908,000 |
| Allowance for loan losses | 3,242,000 | 3,387,000 | 3,531,000 | 3,660,000 |
| Securities available for sale | 34,921,000 | 33,591,000 | 33,374,000 | 32,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,094,000 | 244,630,000 | 249,876,000 | 269,579,000 |
| Interest-bearing deposits | 203,256,000 | 203,041,000 | 208,068,000 | 227,179,000 |
| Noninterest-bearing deposits | 40,838,000 | 41,589,000 | 41,808,000 | 42,400,000 |
| Equity capital | 24,794,000 | 25,267,000 | 26,180,000 | 26,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,936,000 | 10,307,000 | 16,105,000 | 22,201,000 |
| Interest expense | 1,713,000 | 3,695,000 | 6,055,000 | 8,639,000 |
| Net interest income | 3,223,000 | 6,612,000 | 10,050,000 | 13,562,000 |
| Noninterest income | 631,000 | 1,235,000 | 1,821,000 | 2,492,000 |
| Noninterest expense | 2,422,000 | 4,746,000 | 7,532,000 | 10,491,000 |
| Provision for loan losses | 48,000 | 192,000 | 336,000 | 559,000 |
| Pretax income | 1,384,000 | 2,909,000 | 4,003,000 | 5,004,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,379,000 | 2,904,000 | 3,998,000 | 4,999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,429,000 | 26,374,000 | 26,826,000 | 27,352,000 |
| Total capital | 28,619,000 | 29,745,000 | 30,357,000 | 31,012,000 |
| Risk-weighted assets | 255,159,000 | 269,662,000 | 289,883,000 | 299,970,000 |