Call reports 2006
BANK OF COMMERCE — 2006
What BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 80,645,000 | 92,296,000 | 105,453,000 | 107,638,000 |
| Total loans | 65,084,000 | 73,986,000 | 85,252,000 | 89,564,000 |
| Allowance for loan losses | 409,000 | 474,000 | 643,000 | 627,000 |
| Securities available for sale | 8,142,000 | 8,080,000 | 10,117,000 | 8,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,994,000 | 76,418,000 | 84,974,000 | 93,317,000 |
| Interest-bearing deposits | 54,727,000 | 58,402,000 | 65,060,000 | 70,389,000 |
| Noninterest-bearing deposits | 17,267,000 | 18,016,000 | 19,914,000 | 22,928,000 |
| Equity capital | 6,469,000 | 7,512,000 | 10,200,000 | 10,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,255,000 | 2,684,000 | 4,366,000 | 6,194,000 |
| Interest expense | 381,000 | 864,000 | 1,506,000 | 2,235,000 |
| Net interest income | 874,000 | 1,820,000 | 2,860,000 | 3,959,000 |
| Noninterest income | 340,000 | 679,000 | 1,077,000 | 1,524,000 |
| Noninterest expense | 920,000 | 1,960,000 | 3,003,000 | 4,097,000 |
| Provision for loan losses | 73,000 | 141,000 | 325,000 | 371,000 |
| Pretax income | 221,000 | 398,000 | 609,000 | 983,000 |
| Income tax | 71,000 | 140,000 | 217,000 | 371,000 |
| Net income | 150,000 | 258,000 | 392,000 | 612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,641,000 | 7,750,000 | 10,304,000 | 10,524,000 |
| Total capital | 7,050,000 | 8,224,000 | 10,947,000 | 11,151,000 |
| Risk-weighted assets | 66,387,000 | 75,287,000 | 86,833,000 | 88,853,000 |