Call reports 2004
COMMERCIAL BANK OF CALIFORNIA — 2004
What COMMERCIAL BANK OF CALIFORNIA 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 | 78,718,000 | 103,168,000 | 112,416,000 | 120,190,000 |
| Total loans | 46,226,000 | 59,332,000 | 71,694,000 | 84,416,000 |
| Allowance for loan losses | 602,000 | 853,000 | 883,000 | 1,044,000 |
| Securities available for sale | 6,275,000 | 5,869,000 | 5,909,000 | 5,738,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,280,000 | 79,027,000 | 87,888,000 | 95,321,000 |
| Interest-bearing deposits | 46,758,000 | 55,688,000 | 66,890,000 | 71,704,000 |
| Noninterest-bearing deposits | 7,522,000 | 23,339,000 | 20,998,000 | 23,617,000 |
| Equity capital | 24,266,000 | 23,932,000 | 24,218,000 | 24,333,000 |
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 | 672,000 | 1,614,000 | 2,839,000 | 4,403,000 |
| Interest expense | 117,000 | 276,000 | 495,000 | 800,000 |
| Net interest income | 555,000 | 1,338,000 | 2,344,000 | 3,603,000 |
| Noninterest income | 22,000 | 54,000 | 87,000 | 128,000 |
| Noninterest expense | 785,000 | 1,562,000 | 2,396,000 | 3,394,000 |
| Provision for loan losses | 189,000 | 440,000 | 470,000 | 631,000 |
| Pretax income | -440,000 | -610,000 | -435,000 | -294,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 11,000 |
| Net income | -441,000 | -611,000 | -436,000 | -305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,266,000 | 23,981,000 | 24,234,000 | 24,346,000 |
| Total capital | 24,868,000 | 24,789,000 | 25,117,000 | 25,390,000 |
| Risk-weighted assets | 53,297,000 | 64,595,000 | 70,861,000 | 85,872,000 |