Call reports 2008
PEOPLES BANK OF COMMERCE — 2008
What PEOPLES BANK OF COMMERCE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 368,879,000 | 374,362,000 | 384,132,000 | 372,774,000 |
| Total loans | 315,829,000 | 322,357,000 | 320,975,000 | 313,992,000 |
| Allowance for loan losses | 4,065,000 | 4,589,000 | 4,960,000 | 5,342,000 |
| Securities available for sale | 36,950,000 | 35,841,000 | 44,125,000 | 43,902,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,591,000 | 278,639,000 | 287,231,000 | 268,197,000 |
| Interest-bearing deposits | 233,471,000 | 231,971,000 | 237,402,000 | 219,881,000 |
| Noninterest-bearing deposits | 43,120,000 | 46,668,000 | 49,829,000 | 48,316,000 |
| Equity capital | 32,142,000 | 31,125,000 | 31,977,000 | 33,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,780,000 | 12,958,000 | 19,155,000 | 24,964,000 |
| Interest expense | 2,743,000 | 5,148,000 | 7,509,000 | 9,712,000 |
| Net interest income | 4,037,000 | 7,810,000 | 11,646,000 | 15,252,000 |
| Noninterest income | 722,000 | 1,481,000 | 2,167,000 | 2,879,000 |
| Noninterest expense | 2,915,000 | 5,851,000 | 8,595,000 | 11,417,000 |
| Provision for loan losses | 279,000 | 1,144,000 | 2,294,000 | 3,044,000 |
| Pretax income | 1,565,000 | 2,296,000 | 2,914,000 | 3,660,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,560,000 | 2,291,000 | 2,909,000 | 3,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,794,000 | 31,569,000 | 31,881,000 | 32,366,000 |
| Total capital | 35,859,000 | 35,806,000 | 36,106,000 | 36,535,000 |
| Risk-weighted assets | 329,960,000 | 338,589,000 | 337,285,000 | 332,345,000 |