Call reports 2005
AMERICAN BANK OF COMMERCE — 2005
What AMERICAN 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 | 482,922,000 | 487,313,000 | 513,538,000 | 549,283,000 |
| Total loans | 358,204,000 | 374,093,000 | 402,229,000 | 409,754,000 |
| Allowance for loan losses | 3,729,000 | 3,724,000 | 3,844,000 | 4,017,000 |
| Securities available for sale | 84,339,000 | 71,573,000 | 66,854,000 | 62,226,000 |
| Securities held to maturity | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,650,000 | 421,335,000 | 420,071,000 | 471,658,000 |
| Interest-bearing deposits | 361,519,000 | 355,866,000 | 357,172,000 | 389,345,000 |
| Noninterest-bearing deposits | 71,131,000 | 65,469,000 | 62,899,000 | 82,313,000 |
| Equity capital | 33,293,000 | 34,206,000 | 34,969,000 | 35,745,000 |
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 | 7,156,000 | 14,763,000 | 23,185,000 | 32,213,000 |
| Interest expense | 1,819,000 | 3,802,000 | 6,117,000 | 8,981,000 |
| Net interest income | 5,337,000 | 10,961,000 | 17,068,000 | 23,232,000 |
| Noninterest income | 946,000 | 2,063,000 | 2,930,000 | 3,878,000 |
| Noninterest expense | 4,356,000 | 8,641,000 | 13,409,000 | 18,234,000 |
| Provision for loan losses | 107,000 | 344,000 | 567,000 | 820,000 |
| Pretax income | 1,820,000 | 4,039,000 | 6,022,000 | 8,056,000 |
| Income tax | 628,000 | 1,347,000 | 2,005,000 | 2,674,000 |
| Net income | 1,192,000 | 2,692,000 | 4,017,000 | 5,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,690,000 | 34,662,000 | 35,459,000 | 36,296,000 |
| Total capital | 37,419,000 | 38,386,000 | 39,303,000 | 40,313,000 |
| Risk-weighted assets | 388,111,000 | 400,872,000 | 424,440,000 | 440,550,000 |