Call reports 2008
AMERICAN BANK OF COMMERCE — 2008
What AMERICAN BANK OF COMMERCE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 46,666,000 | 44,561,000 | 52,375,000 | 48,532,000 |
| Total loans | 35,865,000 | 38,033,000 | 38,569,000 | 43,075,000 |
| Allowance for loan losses | 402,000 | 455,000 | 522,000 | 642,000 |
| Securities available for sale | 1,847,000 | 1,707,000 | 1,677,000 | 1,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,514,000 | 35,553,000 | 43,361,000 | 39,500,000 |
| Interest-bearing deposits | 27,002,000 | 22,759,000 | 26,398,000 | 27,442,000 |
| Noninterest-bearing deposits | 10,512,000 | 12,794,000 | 16,963,000 | 12,058,000 |
| Equity capital | 8,797,000 | 8,785,000 | 8,789,000 | 8,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 922,000 | 1,820,000 | 2,740,000 | 3,613,000 |
| Interest expense | 200,000 | 365,000 | 510,000 | 696,000 |
| Net interest income | 722,000 | 1,455,000 | 2,230,000 | 2,917,000 |
| Noninterest income | 60,000 | 116,000 | 188,000 | 396,000 |
| Noninterest expense | 688,000 | 1,342,000 | 2,035,000 | 2,718,000 |
| Provision for loan losses | 31,000 | 104,000 | 164,000 | 363,000 |
| Pretax income | 63,000 | 125,000 | 219,000 | 232,000 |
| Income tax | 13,000 | 69,000 | 99,000 | 75,000 |
| Net income | 50,000 | 56,000 | 120,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,779,000 | 8,786,000 | 8,783,000 | 8,821,000 |
| Total capital | 9,181,000 | 9,241,000 | 9,305,000 | 9,384,000 |
| Risk-weighted assets | 37,422,000 | 39,020,000 | 41,430,000 | 44,198,000 |
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