Call reports 2004
AMERICAN BANK OF COMMERCE — 2004
What AMERICAN 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 | 425,619,000 | 436,262,000 | 457,325,000 | 472,546,000 |
| Total loans | 306,717,000 | 333,668,000 | 346,649,000 | 360,626,000 |
| Allowance for loan losses | 4,190,000 | 4,215,000 | 3,941,000 | 3,879,000 |
| Securities available for sale | 90,084,000 | 69,931,000 | 68,547,000 | 74,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 6,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,796,000 | 396,883,000 | 414,271,000 | 428,985,000 |
| Interest-bearing deposits | 321,250,000 | 333,360,000 | 345,930,000 | 358,688,000 |
| Noninterest-bearing deposits | 62,546,000 | 63,523,000 | 68,341,000 | 70,297,000 |
| Equity capital | 32,458,000 | 31,537,000 | 32,565,000 | 32,718,000 |
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 | 5,427,000 | 11,225,000 | 17,501,000 | 24,412,000 |
| Interest expense | 1,467,000 | 2,992,000 | 4,606,000 | 6,391,000 |
| Net interest income | 3,960,000 | 8,233,000 | 12,895,000 | 18,021,000 |
| Noninterest income | 1,085,000 | 2,133,000 | 3,336,000 | 4,264,000 |
| Noninterest expense | 3,609,000 | 7,526,000 | 11,706,000 | 16,070,000 |
| Provision for loan losses | 60,000 | 253,000 | 453,000 | 651,000 |
| Pretax income | 1,446,000 | 2,709,000 | 4,194,000 | 5,686,000 |
| Income tax | 496,000 | 938,000 | 1,454,000 | 1,901,000 |
| Net income | 950,000 | 1,771,000 | 2,740,000 | 3,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,776,000 | 32,069,000 | 32,509,000 | 33,026,000 |
| Total capital | 35,966,000 | 36,284,000 | 36,450,000 | 36,905,000 |
| Risk-weighted assets | 335,922,000 | 346,706,000 | 366,984,000 | 381,676,000 |