Call reports 2004
COMMERCIAL CAPITAL BANK — 2004
What COMMERCIAL CAPITAL BANK 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 | 22,886,000 | 26,033,000 | 26,327,000 | 23,792,000 |
| Total loans | 11,221,000 | 17,938,000 | 17,850,000 | 12,677,000 |
| Allowance for loan losses | 171,000 | 198,000 | 212,000 | 224,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,772,000 | 3,523,000 | 4,019,000 | 4,766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,466,000 | 23,464,000 | 23,182,000 | 21,095,000 |
| Interest-bearing deposits | 17,061,000 | 20,151,000 | 18,756,000 | 17,007,000 |
| Noninterest-bearing deposits | 3,405,000 | 3,313,000 | 4,426,000 | 4,088,000 |
| Equity capital | 2,360,000 | 2,453,000 | 2,544,000 | 2,568,000 |
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 | 294,000 | 709,000 | 1,128,000 | 1,509,000 |
| Interest expense | 65,000 | 131,000 | 209,000 | 290,000 |
| Net interest income | 229,000 | 578,000 | 919,000 | 1,219,000 |
| Noninterest income | 37,000 | 85,000 | 135,000 | 177,000 |
| Noninterest expense | 230,000 | 468,000 | 702,000 | 975,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 80,000 |
| Pretax income | 16,000 | 145,000 | 272,000 | 341,000 |
| Income tax | 4,000 | 40,000 | 76,000 | 121,000 |
| Net income | 12,000 | 105,000 | 196,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,360,000 | 2,453,000 | 2,544,000 | 2,568,000 |
| Total capital | 2,531,000 | 2,651,000 | 2,756,000 | 2,786,000 |
| Risk-weighted assets | 15,975,000 | 18,421,000 | 17,056,000 | 16,673,000 |