Call reports 2005
COMMERCIAL BANK OF CALIFORNIA — 2005
What COMMERCIAL BANK OF CALIFORNIA 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 | 134,948,000 | 154,991,000 | 190,131,000 | 223,455,000 |
| Total loans | 93,698,000 | 102,066,000 | 110,198,000 | 108,785,000 |
| Allowance for loan losses | 1,181,000 | 1,319,000 | 1,422,000 | 1,471,000 |
| Securities available for sale | 5,483,000 | 5,412,000 | 10,820,000 | 10,173,000 |
| Securities held to maturity | 2,000,000 | 5,000,000 | 11,900,000 | 15,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,957,000 | 129,326,000 | 163,382,000 | 195,175,000 |
| Interest-bearing deposits | 88,972,000 | 102,384,000 | 111,212,000 | 114,893,000 |
| Noninterest-bearing deposits | 20,985,000 | 26,942,000 | 52,170,000 | 80,282,000 |
| Equity capital | 24,610,000 | 25,101,000 | 25,870,000 | 26,987,000 |
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 | 1,839,000 | 4,122,000 | 6,927,000 | 10,360,000 |
| Interest expense | 417,000 | 1,088,000 | 1,909,000 | 2,925,000 |
| Net interest income | 1,422,000 | 3,034,000 | 5,018,000 | 7,435,000 |
| Noninterest income | 43,000 | 79,000 | 116,000 | 157,000 |
| Noninterest expense | 1,001,000 | 2,050,000 | 3,175,000 | 4,362,000 |
| Provision for loan losses | 137,000 | 275,000 | 378,000 | 427,000 |
| Pretax income | 327,000 | 788,000 | 1,581,000 | 2,803,000 |
| Income tax | 0 | 15,000 | 15,000 | 44,000 |
| Net income | 327,000 | 773,000 | 1,566,000 | 2,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,633,000 | 25,115,000 | 25,734,000 | 26,311,000 |
| Total capital | 25,814,000 | 26,434,000 | 27,156,000 | 27,782,000 |
| Risk-weighted assets | 97,073,000 | 106,289,000 | 120,776,000 | 126,577,000 |