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 | 76,847,000 | 78,019,000 | 74,305,000 | 76,419,000 |
| Total loans | 37,501,000 | 37,090,000 | 37,015,000 | 36,455,000 |
| Allowance for loan losses | 421,000 | 378,000 | 421,000 | 356,000 |
| Securities available for sale | 28,480,000 | 29,577,000 | 28,006,000 | 29,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,494,000 | 67,150,000 | 63,653,000 | 65,594,000 |
| Interest-bearing deposits | 57,598,000 | 58,645,000 | 54,561,000 | 55,377,000 |
| Noninterest-bearing deposits | 8,896,000 | 8,505,000 | 9,092,000 | 10,217,000 |
| Equity capital | 9,764,000 | 10,239,000 | 9,903,000 | 9,558,000 |
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 | 961,000 | 1,978,000 | 3,047,000 | 4,127,000 |
| Interest expense | 286,000 | 600,000 | 945,000 | 1,314,000 |
| Net interest income | 675,000 | 1,378,000 | 2,102,000 | 2,813,000 |
| Noninterest income | 212,000 | 521,000 | 589,000 | 742,000 |
| Noninterest expense | 541,000 | 1,274,000 | 1,746,000 | 2,382,000 |
| Provision for loan losses | 85,000 | 95,000 | 130,000 | 130,000 |
| Pretax income | 263,000 | 532,000 | 815,000 | 1,043,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 263,000 | 532,000 | 815,000 | 1,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,623,000 | 9,744,000 | 9,759,000 | 9,705,000 |
| Total capital | 10,044,000 | 10,122,000 | 10,180,000 | 10,061,000 |
| Risk-weighted assets | 45,223,000 | 43,717,000 | 44,918,000 | 45,943,000 |
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