Call reports 2004
BANK OF COMMERCE — 2004
What 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 | 119,579,000 | 118,929,000 | 119,861,000 | 123,639,000 |
| Total loans | 57,354,000 | 57,842,000 | 57,903,000 | 60,683,000 |
| Allowance for loan losses | 547,000 | 547,000 | 560,000 | 560,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 36,228,000 | 40,102,000 | 39,173,000 | 36,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,859,000 | 104,303,000 | 105,238,000 | 108,820,000 |
| Interest-bearing deposits | 91,362,000 | 89,920,000 | 90,441,000 | 93,042,000 |
| Noninterest-bearing deposits | 13,497,000 | 14,383,000 | 14,797,000 | 15,778,000 |
| Equity capital | 8,825,000 | 8,972,000 | 9,210,000 | 9,618,000 |
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 | 1,409,000 | 2,835,000 | 4,230,000 | 5,644,000 |
| Interest expense | 437,000 | 869,000 | 1,296,000 | 1,716,000 |
| Net interest income | 972,000 | 1,966,000 | 2,934,000 | 3,928,000 |
| Noninterest income | 154,000 | 327,000 | 486,000 | 648,000 |
| Noninterest expense | 725,000 | 1,444,000 | 2,159,000 | 2,888,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 15,000 |
| Pretax income | 401,000 | 849,000 | 1,246,000 | 1,673,000 |
| Income tax | 18,000 | 38,000 | 57,000 | 76,000 |
| Net income | 383,000 | 811,000 | 1,189,000 | 1,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,825,000 | 8,972,000 | 9,210,000 | 9,618,000 |
| Total capital | 9,372,000 | 9,519,000 | 9,770,000 | 10,178,000 |
| Risk-weighted assets | 61,338,000 | 61,954,000 | 62,086,000 | 64,220,000 |