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 | 59,661,000 | 64,001,000 | 64,026,000 | 70,533,000 |
| Total loans | 31,173,000 | 32,427,000 | 31,404,000 | 30,087,000 |
| Allowance for loan losses | 400,000 | 448,000 | 608,000 | 589,000 |
| Securities available for sale | 20,362,000 | 20,196,000 | 22,561,000 | 26,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,486,000 | 57,341,000 | 56,777,000 | 63,390,000 |
| Interest-bearing deposits | 43,093,000 | 46,899,000 | 45,207,000 | 52,602,000 |
| Noninterest-bearing deposits | 9,393,000 | 10,442,000 | 11,570,000 | 10,788,000 |
| Equity capital | 6,909,000 | 6,537,000 | 6,971,000 | 7,036,000 |
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 | 764,000 | 1,524,000 | 2,343,000 | 3,206,000 |
| Interest expense | 143,000 | 287,000 | 436,000 | 604,000 |
| Net interest income | 621,000 | 1,237,000 | 1,907,000 | 2,602,000 |
| Noninterest income | 138,000 | 279,000 | 434,000 | 589,000 |
| Noninterest expense | 545,000 | 1,066,000 | 1,577,000 | 2,151,000 |
| Provision for loan losses | 140,000 | 261,000 | 301,000 | 301,000 |
| Pretax income | 97,000 | 212,000 | 486,000 | 762,000 |
| Income tax | 41,000 | 85,000 | 225,000 | 204,000 |
| Net income | 56,000 | 127,000 | 261,000 | 558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,871,000 | 6,892,000 | 7,026,000 | 7,213,000 |
| Total capital | 7,271,000 | 7,340,000 | 7,511,000 | 7,710,000 |
| Risk-weighted assets | 36,806,000 | 39,664,000 | 38,676,000 | 39,662,000 |