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 | 70,644,000 | 71,116,000 | 72,154,000 | 70,520,000 |
| Total loans | 48,588,000 | 46,931,000 | 50,613,000 | 53,755,000 |
| Allowance for loan losses | 387,000 | 401,000 | 409,000 | 379,000 |
| Securities available for sale | 2,207,000 | 9,984,000 | 7,721,000 | 8,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,246,000 | 65,827,000 | 66,591,000 | 64,990,000 |
| Interest-bearing deposits | 49,521,000 | 50,375,000 | 51,022,000 | 49,939,000 |
| Noninterest-bearing deposits | 15,725,000 | 15,452,000 | 15,569,000 | 15,051,000 |
| Equity capital | 5,186,000 | 5,209,000 | 5,437,000 | 5,442,000 |
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 | 852,000 | 1,686,000 | 2,601,000 | 3,529,000 |
| Interest expense | 186,000 | 384,000 | 591,000 | 800,000 |
| Net interest income | 666,000 | 1,302,000 | 2,010,000 | 2,729,000 |
| Noninterest income | 449,000 | 872,000 | 1,274,000 | 1,659,000 |
| Noninterest expense | 791,000 | 1,592,000 | 2,460,000 | 3,394,000 |
| Provision for loan losses | 34,000 | 61,000 | 101,000 | 130,000 |
| Pretax income | 290,000 | 521,000 | 735,000 | 876,000 |
| Income tax | 109,000 | 196,000 | 277,000 | 330,000 |
| Net income | 181,000 | 325,000 | 458,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,169,000 | 5,298,000 | 5,403,000 | 5,443,000 |
| Total capital | 5,556,000 | 5,699,000 | 5,812,000 | 5,822,000 |
| Risk-weighted assets | 49,118,000 | 48,955,000 | 53,390,000 | 53,292,000 |