Call reports 2004
COMMUNITY COMMERCE BANK — 2004
What COMMUNITY COMMERCE BANK 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 | 243,812,000 | 250,100,000 | 264,922,000 | 268,673,000 |
| Total loans | 201,476,000 | 211,107,000 | 228,544,000 | 231,184,000 |
| Allowance for loan losses | 3,902,000 | 3,895,000 | 3,895,000 | 3,882,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,816,000 | 163,565,000 | 177,739,000 | 179,991,000 |
| Interest-bearing deposits | 157,590,000 | 159,298,000 | 173,259,000 | 175,590,000 |
| Noninterest-bearing deposits | 4,226,000 | 4,267,000 | 4,480,000 | 4,401,000 |
| Equity capital | 27,980,000 | 28,267,000 | 28,571,000 | 29,248,000 |
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 | 5,433,000 | 10,821,000 | 16,396,000 | 22,216,000 |
| Interest expense | 1,315,000 | 2,637,000 | 4,099,000 | 5,721,000 |
| Net interest income | 4,118,000 | 8,184,000 | 12,297,000 | 16,495,000 |
| Noninterest income | 104,000 | 198,000 | 291,000 | 391,000 |
| Noninterest expense | 2,545,000 | 5,017,000 | 7,525,000 | 9,833,000 |
| Provision for loan losses | -30,000 | -53,000 | -100,000 | -135,000 |
| Pretax income | 1,707,000 | 3,418,000 | 5,163,000 | 7,188,000 |
| Income tax | 671,000 | 1,344,000 | 2,033,000 | 2,630,000 |
| Net income | 1,036,000 | 2,074,000 | 3,130,000 | 4,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,980,000 | 28,267,000 | 28,571,000 | 29,248,000 |
| Total capital | 30,654,000 | 31,063,000 | 31,582,000 | 32,306,000 |
| Risk-weighted assets | 212,732,000 | 222,591,000 | 239,976,000 | 243,802,000 |