Call reports 2004
BANK OF COMMERCE, THE — 2004
What BANK OF COMMERCE, THE 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 | 169,629,000 | 169,864,000 | 194,503,000 | 204,678,000 |
| Total loans | 132,363,000 | 143,596,000 | 159,286,000 | 165,984,000 |
| Allowance for loan losses | 1,569,000 | 1,644,000 | 1,743,000 | 1,851,000 |
| Securities available for sale | 24,839,000 | 22,002,000 | 20,893,000 | 25,875,000 |
| Securities held to maturity | 0 | 566,000 | 566,000 | 3,097,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,977,000 | 150,347,000 | 169,407,000 | 179,056,000 |
| Interest-bearing deposits | 137,124,000 | 136,567,000 | 155,001,000 | 163,858,000 |
| Noninterest-bearing deposits | 12,853,000 | 13,780,000 | 14,406,000 | 15,198,000 |
| Equity capital | 13,198,000 | 13,071,000 | 13,718,000 | 14,070,000 |
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 | 2,097,000 | 4,295,000 | 6,757,000 | 9,501,000 |
| Interest expense | 694,000 | 1,408,000 | 2,215,000 | 3,188,000 |
| Net interest income | 1,403,000 | 2,887,000 | 4,542,000 | 6,313,000 |
| Noninterest income | 39,000 | 103,000 | 158,000 | 200,000 |
| Noninterest expense | 890,000 | 1,852,000 | 2,810,000 | 3,830,000 |
| Provision for loan losses | 75,000 | 151,000 | 249,000 | 357,000 |
| Pretax income | 477,000 | 987,000 | 1,641,000 | 2,326,000 |
| Income tax | 185,000 | 377,000 | 626,000 | 881,000 |
| Net income | 292,000 | 610,000 | 1,015,000 | 1,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,071,000 | 13,370,000 | 13,774,000 | 14,204,000 |
| Total capital | 14,640,000 | 15,015,000 | 20,517,000 | 21,055,000 |
| Risk-weighted assets | 133,941,000 | 141,772,000 | 163,529,000 | 169,655,000 |