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 | 71,921,000 | 77,564,000 | 77,535,000 | 78,107,000 |
| Total loans | 57,070,000 | 61,806,000 | 62,360,000 | 60,282,000 |
| Allowance for loan losses | 388,000 | 379,000 | 444,000 | 408,000 |
| Securities available for sale | 8,169,000 | 8,239,000 | 8,211,000 | 8,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,846,000 | 67,845,000 | 68,706,000 | 69,563,000 |
| Interest-bearing deposits | 49,599,000 | 50,799,000 | 51,985,000 | 53,131,000 |
| Noninterest-bearing deposits | 16,247,000 | 17,046,000 | 16,721,000 | 16,432,000 |
| Equity capital | 5,423,000 | 6,095,000 | 6,155,000 | 6,378,000 |
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 | 981,000 | 2,071,000 | 3,180,000 | 4,390,000 |
| Interest expense | 213,000 | 453,000 | 771,000 | 1,113,000 |
| Net interest income | 768,000 | 1,618,000 | 2,409,000 | 3,277,000 |
| Noninterest income | 326,000 | 707,000 | 1,071,000 | 1,448,000 |
| Noninterest expense | 870,000 | 1,766,000 | 2,639,000 | 3,512,000 |
| Provision for loan losses | 26,000 | 60,000 | 133,000 | 156,000 |
| Pretax income | 198,000 | 499,000 | 708,000 | 1,057,000 |
| Income tax | 74,000 | 188,000 | 267,000 | 347,000 |
| Net income | 124,000 | 311,000 | 441,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,515,000 | 6,141,000 | 6,222,000 | 6,491,000 |
| Total capital | 5,903,000 | 6,520,000 | 6,666,000 | 6,899,000 |
| Risk-weighted assets | 56,391,000 | 60,738,000 | 61,655,000 | 61,800,000 |