Call reports 2003
COMMERCIAL CAPITAL BANK — 2003
What COMMERCIAL CAPITAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 21,504,000 | 24,274,000 | 25,527,000 | 25,537,000 |
| Total loans | 11,731,000 | 17,768,000 | 16,853,000 | 10,838,000 |
| Allowance for loan losses | 230,000 | 174,000 | 189,000 | 151,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,095,000 | 1,596,000 | 2,469,000 | 4,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,954,000 | 21,818,000 | 22,971,000 | 23,130,000 |
| Interest-bearing deposits | 14,781,000 | 17,504,000 | 18,681,000 | 18,726,000 |
| Noninterest-bearing deposits | 4,173,000 | 4,314,000 | 4,290,000 | 4,404,000 |
| Equity capital | 2,327,000 | 2,333,000 | 2,390,000 | 2,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 288,000 | 683,000 | 1,066,000 | 1,376,000 |
| Interest expense | 74,000 | 145,000 | 224,000 | 303,000 |
| Net interest income | 214,000 | 538,000 | 842,000 | 1,073,000 |
| Noninterest income | 38,000 | 78,000 | 115,000 | 154,000 |
| Noninterest expense | 224,000 | 463,000 | 707,000 | 893,000 |
| Provision for loan losses | 20,000 | 150,000 | 165,000 | 335,000 |
| Pretax income | 13,000 | 14,000 | 96,000 | 10,000 |
| Income tax | 5,000 | 0 | 25,000 | -19,000 |
| Net income | 8,000 | 14,000 | 71,000 | 29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,327,000 | 2,333,000 | 2,390,000 | 2,348,000 |
| Total capital | 2,522,000 | 2,507,000 | 2,579,000 | 2,499,000 |
| Risk-weighted assets | 15,541,000 | 18,615,000 | 16,580,000 | 15,348,000 |