Call reports 2005
BANK OF COMMERCE — 2005
What 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 | 121,773,000 | 118,126,000 | 118,374,000 | 120,867,000 |
| Total loans | 60,155,000 | 62,007,000 | 61,887,000 | 63,636,000 |
| Allowance for loan losses | 560,000 | 560,000 | 573,000 | 586,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 38,043,000 | 36,756,000 | 37,156,000 | 38,222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,931,000 | 104,382,000 | 104,573,000 | 106,873,000 |
| Interest-bearing deposits | 90,157,000 | 87,651,000 | 87,300,000 | 91,595,000 |
| Noninterest-bearing deposits | 17,774,000 | 16,731,000 | 17,273,000 | 15,278,000 |
| Equity capital | 8,677,000 | 8,828,000 | 9,119,000 | 9,471,000 |
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 | 1,421,000 | 2,855,000 | 4,321,000 | 5,799,000 |
| Interest expense | 425,000 | 862,000 | 1,333,000 | 1,810,000 |
| Net interest income | 996,000 | 1,993,000 | 2,988,000 | 3,989,000 |
| Noninterest income | 169,000 | 341,000 | 499,000 | 653,000 |
| Noninterest expense | 708,000 | 1,439,000 | 2,171,000 | 2,942,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 29,000 |
| Pretax income | 457,000 | 895,000 | 1,301,000 | 1,671,000 |
| Income tax | 8,000 | 8,000 | 59,000 | 76,000 |
| Net income | 449,000 | 887,000 | 1,242,000 | 1,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,677,000 | 8,828,000 | 9,119,000 | 9,471,000 |
| Total capital | 9,237,000 | 9,388,000 | 9,692,000 | 10,057,000 |
| Risk-weighted assets | 63,649,000 | 63,406,000 | 63,608,000 | 65,121,000 |