Call reports 2009
PEOPLES BANK OF COMMERCE — 2009
What PEOPLES BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 362,147,000 | 354,989,000 | 356,481,000 | 349,182,000 |
| Total loans | 304,184,000 | 286,661,000 | 283,110,000 | 275,094,000 |
| Allowance for loan losses | 5,485,000 | 5,363,000 | 4,453,000 | 4,438,000 |
| Securities available for sale | 43,599,000 | 46,342,000 | 47,967,000 | 48,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,309,000 | 239,406,000 | 251,416,000 | 253,622,000 |
| Interest-bearing deposits | 207,763,000 | 194,702,000 | 208,796,000 | 213,035,000 |
| Noninterest-bearing deposits | 44,546,000 | 44,704,000 | 42,620,000 | 40,587,000 |
| Equity capital | 33,604,000 | 33,490,000 | 34,718,000 | 34,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,212,000 | 10,286,000 | 15,390,000 | 20,506,000 |
| Interest expense | 1,809,000 | 3,326,000 | 4,699,000 | 6,028,000 |
| Net interest income | 3,403,000 | 6,960,000 | 10,691,000 | 14,478,000 |
| Noninterest income | 690,000 | 1,504,000 | 2,177,000 | 2,403,000 |
| Noninterest expense | 2,727,000 | 5,976,000 | 8,783,000 | 11,767,000 |
| Provision for loan losses | 550,000 | 1,000,000 | 1,800,000 | 2,780,000 |
| Pretax income | 1,047,000 | 1,747,000 | 2,709,000 | 3,338,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,042,000 | 1,742,000 | 2,704,000 | 3,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,646,000 | 32,608,000 | 32,975,000 | 33,405,000 |
| Total capital | 36,714,000 | 36,535,000 | 36,847,000 | 37,128,000 |
| Risk-weighted assets | 323,990,000 | 312,707,000 | 309,176,000 | 297,133,000 |