Call reports 2005
BANK OF COMMERCE, THE — 2005
What BANK OF COMMERCE, THE 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 | 552,978,000 | 573,981,000 | 599,994,000 | 607,734,000 |
| Total loans | 333,562,000 | 371,177,000 | 368,421,000 | 379,867,000 |
| Allowance for loan losses | 3,886,000 | 3,956,000 | 4,049,000 | 4,659,000 |
| Securities available for sale | 77,550,000 | 76,148,000 | 78,776,000 | 85,577,000 |
| Securities held to maturity | 75,459,000 | 77,923,000 | 75,762,000 | 82,224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 464,219,000 | 482,878,000 | 504,804,000 | 510,167,000 |
| Interest-bearing deposits | 334,170,000 | 343,378,000 | 358,751,000 | 364,226,000 |
| Noninterest-bearing deposits | 130,049,000 | 139,500,000 | 146,053,000 | 145,941,000 |
| Equity capital | 85,701,000 | 89,191,000 | 92,739,000 | 90,008,000 |
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 | 7,369,000 | 15,529,000 | 24,557,000 | 34,288,000 |
| Interest expense | 1,122,000 | 2,504,000 | 4,220,000 | 6,207,000 |
| Net interest income | 6,247,000 | 13,025,000 | 20,337,000 | 28,081,000 |
| Noninterest income | 750,000 | 1,572,000 | 2,497,000 | 3,345,000 |
| Noninterest expense | 2,175,000 | 4,490,000 | 6,743,000 | 10,766,000 |
| Provision for loan losses | 0 | 100,000 | 200,000 | 840,000 |
| Pretax income | 4,822,000 | 10,007,000 | 15,891,000 | 19,820,000 |
| Income tax | 1,604,000 | 3,302,000 | 5,322,000 | 6,610,000 |
| Net income | 3,218,000 | 6,705,000 | 10,569,000 | 13,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,358,000 | 88,685,000 | 92,388,000 | 89,910,000 |
| Total capital | 89,244,000 | 92,641,000 | 96,437,000 | 94,569,000 |
| Risk-weighted assets | 398,892,000 | 433,770,000 | 437,749,000 | 448,605,000 |