Call reports 2007
AMERICAN BANK OF COMMERCE — 2007
What AMERICAN BANK OF COMMERCE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 46,152,000 | 41,459,000 | 45,581,000 | 46,255,000 |
| Total loans | 33,227,000 | 31,514,000 | 34,560,000 | 36,252,000 |
| Allowance for loan losses | 387,000 | 383,000 | 384,000 | 381,000 |
| Securities available for sale | 2,568,000 | 2,442,000 | 2,404,000 | 2,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,039,000 | 34,145,000 | 37,046,000 | 37,262,000 |
| Interest-bearing deposits | 24,366,000 | 19,113,000 | 21,046,000 | 24,777,000 |
| Noninterest-bearing deposits | 16,673,000 | 15,032,000 | 16,000,000 | 12,485,000 |
| Equity capital | 4,945,000 | 7,152,000 | 8,286,000 | 8,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 984,000 | 1,929,000 | 2,999,000 | 4,143,000 |
| Interest expense | 214,000 | 385,000 | 613,000 | 805,000 |
| Net interest income | 770,000 | 1,544,000 | 2,386,000 | 3,338,000 |
| Noninterest income | 66,000 | 180,000 | 325,000 | 378,000 |
| Noninterest expense | 638,000 | 1,292,000 | 1,958,000 | 2,723,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 198,000 | 432,000 | 753,000 | 993,000 |
| Income tax | 37,000 | 157,000 | 274,000 | 370,000 |
| Net income | 161,000 | 275,000 | 479,000 | 623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,952,000 | 7,175,000 | 8,295,000 | 8,538,000 |
| Total capital | 5,339,000 | 7,558,000 | 8,679,000 | 8,919,000 |
| Risk-weighted assets | 33,867,000 | 32,380,000 | 33,291,000 | 34,887,000 |
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