Call reports 2006
BANK OF COMMERCE — 2006
What BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 78,432,000 | 76,206,000 | 82,196,000 | 99,696,000 |
| Total loans | 32,840,000 | 33,471,000 | 34,831,000 | 33,365,000 |
| Allowance for loan losses | 562,000 | 597,000 | 614,000 | 629,000 |
| Securities available for sale | 35,147,000 | 34,430,000 | 34,687,000 | 37,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,840,000 | 68,775,000 | 74,132,000 | 91,377,000 |
| Interest-bearing deposits | 56,429,000 | 55,266,000 | 58,919,000 | 75,054,000 |
| Noninterest-bearing deposits | 14,411,000 | 13,509,000 | 15,213,000 | 16,323,000 |
| Equity capital | 7,322,000 | 7,214,000 | 7,807,000 | 7,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,071,000 | 2,177,000 | 3,321,000 | 4,634,000 |
| Interest expense | 376,000 | 748,000 | 1,144,000 | 1,605,000 |
| Net interest income | 695,000 | 1,429,000 | 2,177,000 | 3,029,000 |
| Noninterest income | 130,000 | 279,000 | 441,000 | 597,000 |
| Noninterest expense | 570,000 | 1,130,000 | 1,716,000 | 2,348,000 |
| Provision for loan losses | 0 | 35,000 | 65,000 | 80,000 |
| Pretax income | 233,000 | 521,000 | 815,000 | 1,176,000 |
| Income tax | 71,000 | 147,000 | 227,000 | 351,000 |
| Net income | 162,000 | 374,000 | 588,000 | 825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,886,000 | 8,028,000 | 8,242,000 | 8,349,000 |
| Total capital | 8,422,000 | 8,572,000 | 8,819,000 | 8,939,000 |
| Risk-weighted assets | 42,815,000 | 43,447,000 | 46,090,000 | 47,154,000 |