Call reports 2005
BANK OF COMMERCE, THE — 2005
What BANK OF COMMERCE, THE 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 | 233,837,000 | 236,219,000 | 243,636,000 | 260,298,000 |
| Total loans | 176,695,000 | 186,445,000 | 199,316,000 | 211,362,000 |
| Allowance for loan losses | 1,962,000 | 2,073,000 | 2,192,000 | 2,353,000 |
| Securities available for sale | 26,924,000 | 28,772,000 | 26,694,000 | 25,121,000 |
| Securities held to maturity | 4,143,000 | 5,601,000 | 7,804,000 | 13,329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,942,000 | 209,800,000 | 215,389,000 | 225,649,000 |
| Interest-bearing deposits | 190,901,000 | 192,943,000 | 198,543,000 | 202,367,000 |
| Noninterest-bearing deposits | 17,041,000 | 16,857,000 | 16,846,000 | 23,282,000 |
| Equity capital | 14,284,000 | 15,067,000 | 15,423,000 | 20,650,000 |
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 | 2,944,000 | 6,376,000 | 10,099,000 | 14,225,000 |
| Interest expense | 1,079,000 | 2,485,000 | 4,087,000 | 5,922,000 |
| Net interest income | 1,865,000 | 3,891,000 | 6,012,000 | 8,303,000 |
| Noninterest income | 82,000 | 198,000 | 310,000 | 385,000 |
| Noninterest expense | 1,045,000 | 2,195,000 | 3,492,000 | 4,919,000 |
| Provision for loan losses | 111,000 | 223,000 | 342,000 | 503,000 |
| Pretax income | 791,000 | 1,671,000 | 2,488,000 | 3,266,000 |
| Income tax | 279,000 | 593,000 | 869,000 | 1,125,000 |
| Net income | 512,000 | 1,078,000 | 1,619,000 | 2,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,717,000 | 15,282,000 | 15,823,000 | 21,152,000 |
| Total capital | 21,679,000 | 22,355,000 | 23,015,000 | 28,505,000 |
| Risk-weighted assets | 184,578,000 | 194,194,000 | 204,079,000 | 216,740,000 |