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 | 67,353,000 | 69,887,000 | 75,748,000 | 83,140,000 |
| Total loans | 29,340,000 | 31,231,000 | 32,602,000 | 31,135,000 |
| Allowance for loan losses | 595,000 | 589,000 | 578,000 | 560,000 |
| Securities available for sale | 29,175,000 | 28,068,000 | 30,232,000 | 33,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,213,000 | 62,391,000 | 68,123,000 | 75,683,000 |
| Interest-bearing deposits | 49,241,000 | 50,890,000 | 55,421,000 | 61,643,000 |
| Noninterest-bearing deposits | 10,972,000 | 11,501,000 | 12,702,000 | 14,040,000 |
| Equity capital | 6,943,000 | 7,344,000 | 7,465,000 | 7,239,000 |
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 | 845,000 | 1,732,000 | 2,717,000 | 3,776,000 |
| Interest expense | 194,000 | 420,000 | 692,000 | 1,049,000 |
| Net interest income | 651,000 | 1,312,000 | 2,025,000 | 2,727,000 |
| Noninterest income | 146,000 | 308,000 | 467,000 | 619,000 |
| Noninterest expense | 536,000 | 1,085,000 | 1,621,000 | 2,327,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 1,000 |
| Pretax income | 261,000 | 539,000 | 865,000 | 1,014,000 |
| Income tax | 82,000 | 168,000 | 268,000 | 303,000 |
| Net income | 179,000 | 371,000 | 597,000 | 711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,392,000 | 7,514,000 | 7,741,000 | 7,724,000 |
| Total capital | 7,861,000 | 8,004,000 | 8,297,000 | 8,252,000 |
| Risk-weighted assets | 37,373,000 | 39,062,000 | 44,456,000 | 42,194,000 |