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 | 120,130,000 | 118,416,000 | 122,157,000 | 126,674,000 |
| Total loans | 90,211,000 | 94,434,000 | 99,928,000 | 105,797,000 |
| Allowance for loan losses | 578,000 | 563,000 | 643,000 | 781,000 |
| Securities available for sale | 214,000 | 2,421,000 | 2,448,000 | 2,180,000 |
| Securities held to maturity | 7,136,000 | 6,009,000 | 5,294,000 | 5,292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,508,000 | 105,603,000 | 106,486,000 | 108,077,000 |
| Interest-bearing deposits | 91,116,000 | 90,023,000 | 89,174,000 | 88,846,000 |
| Noninterest-bearing deposits | 16,392,000 | 15,580,000 | 17,312,000 | 19,231,000 |
| Equity capital | 9,032,000 | 9,296,000 | 9,643,000 | 10,006,000 |
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 | 1,697,000 | 3,478,000 | 5,313,000 | 7,320,000 |
| Interest expense | 491,000 | 987,000 | 1,509,000 | 2,088,000 |
| Net interest income | 1,206,000 | 2,491,000 | 3,804,000 | 5,232,000 |
| Noninterest income | 332,000 | 656,000 | 1,054,000 | 1,524,000 |
| Noninterest expense | 1,018,000 | 2,059,000 | 3,153,000 | 4,472,000 |
| Provision for loan losses | 105,000 | 185,000 | 290,000 | 475,000 |
| Pretax income | 415,000 | 903,000 | 1,415,000 | 1,809,000 |
| Income tax | 156,000 | 339,000 | 531,000 | 680,000 |
| Net income | 259,000 | 564,000 | 884,000 | 1,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,018,000 | 9,322,000 | 9,642,000 | 10,024,000 |
| Total capital | 9,596,000 | 9,885,000 | 10,285,000 | 10,805,000 |
| Risk-weighted assets | 88,235,000 | 90,684,000 | 95,018,000 | 100,987,000 |