Call reports 2005
AMERICAN BANK OF COMMERCE — 2005
What AMERICAN BANK OF COMMERCE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,299,000 | 37,377,000 | 44,289,000 | 38,165,000 |
| Total loans | 23,482,000 | 22,922,000 | 22,594,000 | 22,462,000 |
| Allowance for loan losses | 405,000 | 401,000 | 399,000 | 399,000 |
| Securities available for sale | 1,414,000 | 1,334,000 | 1,227,000 | 1,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,317,000 | 33,235,000 | 39,827,000 | 33,497,000 |
| Interest-bearing deposits | 15,824,000 | 24,392,000 | 29,228,000 | 22,616,000 |
| Noninterest-bearing deposits | 12,493,000 | 8,843,000 | 10,599,000 | 10,881,000 |
| Equity capital | 3,779,000 | 3,923,000 | 4,090,000 | 4,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,215,000 | 1,929,000 | 2,670,000 |
| Interest expense | 45,000 | 99,000 | 169,000 | 241,000 |
| Net interest income | 523,000 | 1,116,000 | 1,760,000 | 2,429,000 |
| Noninterest income | 119,000 | 211,000 | 315,000 | 408,000 |
| Noninterest expense | 455,000 | 919,000 | 1,394,000 | 1,972,000 |
| Provision for loan losses | 4,000 | 4,000 | 6,000 | 12,000 |
| Pretax income | 183,000 | 404,000 | 675,000 | 853,000 |
| Income tax | 69,000 | 150,000 | 250,000 | 317,000 |
| Net income | 114,000 | 254,000 | 425,000 | 536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,792,000 | 3,932,000 | 4,103,000 | 4,174,000 |
| Total capital | 4,106,000 | 4,239,000 | 4,412,000 | 4,474,000 |
| Risk-weighted assets | 25,028,000 | 24,490,000 | 24,602,000 | 23,864,000 |
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