Call reports 2005
BANK OF COMMERCE — 2005
What BANK OF COMMERCE 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 | 167,458,000 | 171,720,000 | 173,416,000 | 170,461,000 |
| Total loans | 71,603,000 | 84,384,000 | 87,148,000 | 86,347,000 |
| Allowance for loan losses | 1,167,000 | 1,160,000 | 1,146,000 | 1,121,000 |
| Securities available for sale | 66,141,000 | 59,840,000 | 55,104,000 | 54,087,000 |
| Securities held to maturity | 14,588,000 | 14,185,000 | 14,182,000 | 13,877,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,250,000 | 126,769,000 | 123,007,000 | 128,436,000 |
| Interest-bearing deposits | 110,132,000 | 110,544,000 | 107,835,000 | 111,892,000 |
| Noninterest-bearing deposits | 14,118,000 | 16,225,000 | 15,172,000 | 16,544,000 |
| Equity capital | 16,696,000 | 16,799,000 | 17,198,000 | 16,306,000 |
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 | 1,940,000 | 4,020,000 | 6,197,000 | 8,371,000 |
| Interest expense | 780,000 | 1,670,000 | 2,676,000 | 3,674,000 |
| Net interest income | 1,160,000 | 2,350,000 | 3,521,000 | 4,697,000 |
| Noninterest income | 204,000 | 381,000 | 566,000 | 757,000 |
| Noninterest expense | 686,000 | 1,442,000 | 2,208,000 | 3,167,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 694,000 | 1,305,000 | 1,899,000 | 2,308,000 |
| Income tax | 141,000 | 255,000 | 363,000 | 425,000 |
| Net income | 553,000 | 1,050,000 | 1,536,000 | 1,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,253,000 | 16,884,000 | 17,371,000 | 16,853,000 |
| Total capital | 18,311,000 | 18,044,000 | 18,517,000 | 17,974,000 |
| Risk-weighted assets | 84,483,000 | 95,175,000 | 98,668,000 | 97,790,000 |