Call reports 2005
COMMUNITY COMMERCE BANK — 2005
What COMMUNITY COMMERCE BANK 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 | 271,264,000 | 281,645,000 | 292,216,000 | 305,249,000 |
| Total loans | 235,980,000 | 240,623,000 | 247,779,000 | 260,116,000 |
| Allowance for loan losses | 3,882,000 | 3,882,000 | 3,882,000 | 3,900,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,185,000 | 193,577,000 | 203,517,000 | 210,558,000 |
| Interest-bearing deposits | 177,870,000 | 186,625,000 | 197,446,000 | 203,537,000 |
| Noninterest-bearing deposits | 5,315,000 | 6,952,000 | 6,072,000 | 7,021,000 |
| Equity capital | 29,058,000 | 29,306,000 | 29,624,000 | 30,325,000 |
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 | 5,717,000 | 11,739,000 | 18,051,000 | 24,609,000 |
| Interest expense | 1,753,000 | 3,628,000 | 5,761,000 | 8,089,000 |
| Net interest income | 3,964,000 | 8,111,000 | 12,290,000 | 16,520,000 |
| Noninterest income | 94,000 | 192,000 | 303,000 | 380,000 |
| Noninterest expense | 2,624,000 | 5,228,000 | 7,757,000 | 10,048,000 |
| Provision for loan losses | -33,000 | -68,000 | -93,000 | -121,000 |
| Pretax income | 1,467,000 | 3,143,000 | 4,929,000 | 6,973,000 |
| Income tax | 575,000 | 1,250,000 | 1,968,000 | 2,560,000 |
| Net income | 892,000 | 1,893,000 | 2,961,000 | 4,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,058,000 | 29,306,000 | 29,624,000 | 30,325,000 |
| Total capital | 32,171,000 | 32,512,000 | 32,934,000 | 33,784,000 |
| Risk-weighted assets | 248,254,000 | 255,819,000 | 264,209,000 | 276,245,000 |