Call reports 2005
COMMERCE NATIONAL BANK — 2005
What COMMERCE NATIONAL 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 | 454,914,000 | 450,820,000 | 474,530,000 | 468,574,000 |
| Total loans | 382,291,000 | 393,249,000 | 394,318,000 | 409,853,000 |
| Allowance for loan losses | 3,158,000 | 3,303,000 | 3,459,000 | 3,495,000 |
| Securities available for sale | 7,524,000 | 6,421,000 | 7,992,000 | 7,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,814,000 | 313,832,000 | 348,228,000 | 324,099,000 |
| Interest-bearing deposits | 283,230,000 | 264,381,000 | 296,644,000 | 272,561,000 |
| Noninterest-bearing deposits | 47,584,000 | 49,452,000 | 51,584,000 | 51,538,000 |
| Equity capital | 63,949,000 | 64,748,000 | 65,497,000 | 66,138,000 |
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 | 5,435,000 | 11,401,000 | 17,871,000 | 24,688,000 |
| Interest expense | 2,176,000 | 4,508,000 | 7,254,000 | 10,098,000 |
| Net interest income | 3,259,000 | 6,893,000 | 10,617,000 | 14,590,000 |
| Noninterest income | 204,000 | 423,000 | 519,000 | 673,000 |
| Noninterest expense | 2,220,000 | 4,516,000 | 6,774,000 | 9,040,000 |
| Provision for loan losses | 138,000 | 278,000 | 423,000 | 632,000 |
| Pretax income | 1,105,000 | 2,522,000 | 3,939,000 | 5,591,000 |
| Income tax | 380,000 | 868,000 | 1,260,000 | 1,803,000 |
| Net income | 725,000 | 1,654,000 | 2,679,000 | 3,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,726,000 | 30,660,000 | 31,556,000 | 32,350,000 |
| Total capital | 39,064,000 | 40,143,000 | 41,195,000 | 42,025,000 |
| Risk-weighted assets | 352,241,000 | 360,817,000 | 368,741,000 | 378,308,000 |