Call reports 2004
BANK OF COMMERCE — 2004
What BANK OF COMMERCE 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 | 160,640,000 | 161,630,000 | 159,475,000 | 168,038,000 |
| Total loans | 59,621,000 | 65,367,000 | 65,873,000 | 67,602,000 |
| Allowance for loan losses | 1,310,000 | 1,308,000 | 1,258,000 | 1,170,000 |
| Securities available for sale | 70,657,000 | 55,853,000 | 66,786,000 | 69,821,000 |
| Securities held to maturity | 18,140,000 | 29,649,000 | 14,959,000 | 15,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,413,000 | 105,991,000 | 112,069,000 | 124,156,000 |
| Interest-bearing deposits | 103,372,000 | 95,043,000 | 97,827,000 | 100,488,000 |
| Noninterest-bearing deposits | 12,041,000 | 10,948,000 | 14,242,000 | 23,668,000 |
| Equity capital | 17,414,000 | 15,976,000 | 17,381,000 | 16,645,000 |
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 | 1,880,000 | 3,844,000 | 5,792,000 | 7,722,000 |
| Interest expense | 688,000 | 1,377,000 | 2,101,000 | 2,825,000 |
| Net interest income | 1,192,000 | 2,467,000 | 3,691,000 | 4,897,000 |
| Noninterest income | 216,000 | 392,000 | 542,000 | 728,000 |
| Noninterest expense | 664,000 | 1,330,000 | 2,033,000 | 2,957,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 818,000 | 1,582,000 | 2,253,000 | 2,721,000 |
| Income tax | 176,000 | 346,000 | 483,000 | 573,000 |
| Net income | 642,000 | 1,236,000 | 1,770,000 | 2,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,926,000 | 16,654,000 | 17,188,000 | 16,700,000 |
| Total capital | 17,811,000 | 17,610,000 | 18,146,000 | 17,679,000 |
| Risk-weighted assets | 70,386,000 | 76,099,000 | 76,347,000 | 78,724,000 |