Call reports 2006
COMMERCIAL CAPITAL BANK — 2006
What COMMERCIAL CAPITAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 25,769,000 | 31,763,000 | 37,406,000 | 28,352,000 |
| Total loans | 16,503,000 | 24,448,000 | 25,578,000 | 16,423,000 |
| Allowance for loan losses | 261,000 | 293,000 | 323,000 | 327,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,770,000 | 4,771,000 | 4,772,000 | 4,772,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,464,000 | 24,996,000 | 27,645,000 | 24,656,000 |
| Interest-bearing deposits | 17,805,000 | 20,656,000 | 22,606,000 | 19,407,000 |
| Noninterest-bearing deposits | 4,659,000 | 4,340,000 | 5,039,000 | 5,249,000 |
| Equity capital | 3,201,000 | 3,489,000 | 3,820,000 | 3,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 499,000 | 1,182,000 | 1,976,000 | 2,634,000 |
| Interest expense | 110,000 | 272,000 | 547,000 | 784,000 |
| Net interest income | 389,000 | 910,000 | 1,429,000 | 1,850,000 |
| Noninterest income | 45,000 | 108,000 | 190,000 | 252,000 |
| Noninterest expense | 264,000 | 530,000 | 770,000 | 1,064,000 |
| Provision for loan losses | 10,000 | 40,000 | 70,000 | 70,000 |
| Pretax income | 160,000 | 448,000 | 779,000 | 968,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 160,000 | 448,000 | 779,000 | 968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,201,000 | 3,489,000 | 3,820,000 | 3,608,000 |
| Total capital | 3,426,000 | 3,782,000 | 4,076,000 | 3,805,000 |
| Risk-weighted assets | 17,974,000 | 23,386,000 | 20,427,000 | 15,600,000 |