Call reports 2006
COMMUNITY COMMERCE BANK — 2006
What COMMUNITY COMMERCE BANK 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 | 296,400,000 | 322,377,000 | 329,891,000 | 343,309,000 |
| Total loans | 258,386,000 | 272,536,000 | 286,058,000 | 290,490,000 |
| Allowance for loan losses | 3,900,000 | 4,088,000 | 4,298,000 | 4,390,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,187,000 | 212,455,000 | 214,284,000 | 227,000,000 |
| Interest-bearing deposits | 200,193,000 | 205,491,000 | 206,289,000 | 220,022,000 |
| Noninterest-bearing deposits | 5,994,000 | 6,964,000 | 7,995,000 | 6,978,000 |
| Equity capital | 30,596,000 | 30,723,000 | 30,772,000 | 31,228,000 |
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 | 6,858,000 | 13,783,000 | 21,045,000 | 28,698,000 |
| Interest expense | 2,591,000 | 5,356,000 | 8,625,000 | 12,151,000 |
| Net interest income | 4,267,000 | 8,427,000 | 12,420,000 | 16,547,000 |
| Noninterest income | 96,000 | 202,000 | 295,000 | 400,000 |
| Noninterest expense | 2,667,000 | 5,299,000 | 7,905,000 | 10,353,000 |
| Provision for loan losses | -25,000 | 136,000 | 309,000 | 384,000 |
| Pretax income | 1,721,000 | 3,194,000 | 4,501,000 | 6,210,000 |
| Income tax | 687,000 | 1,282,000 | 1,801,000 | 2,302,000 |
| Net income | 1,034,000 | 1,912,000 | 2,700,000 | 3,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,596,000 | 30,723,000 | 30,772,000 | 31,228,000 |
| Total capital | 33,967,000 | 34,359,000 | 34,569,000 | 35,143,000 |
| Risk-weighted assets | 273,025,000 | 290,399,000 | 303,258,000 | 312,723,000 |