Call reports 2004
AMERICAN BANK OF COMMERCE — 2004
What AMERICAN BANK OF COMMERCE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 27,999,000 | 29,978,000 | 28,031,000 | 29,909,000 |
| Total loans | 20,650,000 | 20,946,000 | 22,178,000 | 24,197,000 |
| Allowance for loan losses | 366,000 | 388,000 | 400,000 | 403,000 |
| Securities available for sale | 0 | 915,000 | 1,603,000 | 1,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,609,000 | 26,467,000 | 24,224,000 | 25,954,000 |
| Interest-bearing deposits | 17,422,000 | 18,025,000 | 13,489,000 | 17,744,000 |
| Noninterest-bearing deposits | 7,187,000 | 8,442,000 | 10,735,000 | 8,210,000 |
| Equity capital | 3,278,000 | 3,349,000 | 3,599,000 | 3,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 469,000 | 944,000 | 1,450,000 | 2,008,000 |
| Interest expense | 34,000 | 64,000 | 92,000 | 126,000 |
| Net interest income | 435,000 | 880,000 | 1,358,000 | 1,882,000 |
| Noninterest income | 80,000 | 163,000 | 229,000 | 302,000 |
| Noninterest expense | 417,000 | 822,000 | 1,237,000 | 1,712,000 |
| Provision for loan losses | 53,000 | 76,000 | 92,000 | 98,000 |
| Pretax income | 45,000 | 145,000 | 258,000 | 374,000 |
| Income tax | 34,000 | 63,000 | 98,000 | 129,000 |
| Net income | 11,000 | 82,000 | 160,000 | 245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,278,000 | 3,349,000 | 3,592,000 | 3,679,000 |
| Total capital | 3,551,000 | 3,632,000 | 3,879,000 | 3,990,000 |
| Risk-weighted assets | 21,729,000 | 22,517,000 | 22,833,000 | 24,803,000 |
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