Call reports 2005
COMMERCIAL CAPITAL BANK — 2005
What COMMERCIAL CAPITAL BANK 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 | 24,980,000 | 30,510,000 | 35,164,000 | 24,986,000 |
| Total loans | 14,405,000 | 22,961,000 | 25,913,000 | 16,084,000 |
| Allowance for loan losses | 154,000 | 188,000 | 248,000 | 248,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,767,000 | 4,768,000 | 4,768,000 | 4,769,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,210,000 | 24,358,000 | 26,099,000 | 21,668,000 |
| Interest-bearing deposits | 17,539,000 | 19,827,000 | 21,409,000 | 16,973,000 |
| Noninterest-bearing deposits | 4,671,000 | 4,531,000 | 4,690,000 | 4,695,000 |
| Equity capital | 2,658,000 | 2,862,000 | 3,010,000 | 3,041,000 |
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 | 412,000 | 1,007,000 | 1,681,000 | 2,275,000 |
| Interest expense | 78,000 | 174,000 | 341,000 | 510,000 |
| Net interest income | 334,000 | 833,000 | 1,340,000 | 1,765,000 |
| Noninterest income | 41,000 | 90,000 | 142,000 | 201,000 |
| Noninterest expense | 241,000 | 475,000 | 769,000 | 1,101,000 |
| Provision for loan losses | 10,000 | 40,000 | 100,000 | 100,000 |
| Pretax income | 124,000 | 408,000 | 613,000 | 765,000 |
| Income tax | 34,000 | 114,000 | 171,000 | 293,000 |
| Net income | 90,000 | 294,000 | 442,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,658,000 | 2,862,000 | 3,010,000 | 3,041,000 |
| Total capital | 2,812,000 | 3,050,000 | 3,258,000 | 3,241,000 |
| Risk-weighted assets | 18,446,000 | 21,096,000 | 22,086,000 | 15,172,000 |