Call reports 2007
PEOPLES BANK OF COMMERCE — 2007
What PEOPLES BANK OF COMMERCE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 340,781,000 | 345,091,000 | 349,687,000 | 358,200,000 |
| Total loans | 290,512,000 | 298,777,000 | 303,365,000 | 307,268,000 |
| Allowance for loan losses | 3,798,000 | 3,959,000 | 4,075,000 | 3,971,000 |
| Securities available for sale | 31,445,000 | 30,588,000 | 30,825,000 | 33,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,487,000 | 263,351,000 | 267,767,000 | 272,108,000 |
| Interest-bearing deposits | 226,990,000 | 220,539,000 | 223,674,000 | 228,815,000 |
| Noninterest-bearing deposits | 43,497,000 | 42,812,000 | 44,093,000 | 43,293,000 |
| Equity capital | 28,357,000 | 28,998,000 | 29,911,000 | 31,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,281,000 | 12,785,000 | 19,499,000 | 26,189,000 |
| Interest expense | 2,717,000 | 5,540,000 | 8,484,000 | 11,370,000 |
| Net interest income | 3,564,000 | 7,245,000 | 11,015,000 | 14,819,000 |
| Noninterest income | 710,000 | 1,429,000 | 2,162,000 | 2,892,000 |
| Noninterest expense | 2,664,000 | 5,220,000 | 8,349,000 | 11,380,000 |
| Provision for loan losses | 174,000 | 348,000 | 464,000 | 638,000 |
| Pretax income | 1,442,000 | 3,112,000 | 4,370,000 | 5,699,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,437,000 | 3,107,000 | 4,365,000 | 5,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,789,000 | 29,854,000 | 30,409,000 | 31,209,000 |
| Total capital | 32,587,000 | 33,757,000 | 34,390,000 | 35,180,000 |
| Risk-weighted assets | 306,346,000 | 312,168,000 | 318,400,000 | 321,586,000 |