Call reports 2009
AMERICAN BANK OF COMMERCE — 2009
What AMERICAN BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 47,566,000 | 49,350,000 | 46,931,000 | 47,313,000 |
| Total loans | 40,157,000 | 37,171,000 | 35,495,000 | 34,904,000 |
| Allowance for loan losses | 709,000 | 838,000 | 704,000 | 1,037,000 |
| Securities available for sale | 1,597,000 | 1,512,000 | 1,468,000 | 1,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,489,000 | 40,636,000 | 38,148,000 | 38,454,000 |
| Interest-bearing deposits | 29,492,000 | 31,056,000 | 29,643,000 | 29,633,000 |
| Noninterest-bearing deposits | 8,997,000 | 9,580,000 | 8,505,000 | 8,821,000 |
| Equity capital | 8,890,000 | 8,408,000 | 8,507,000 | 8,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 804,000 | 1,472,000 | 2,182,000 | 2,916,000 |
| Interest expense | 179,000 | 358,000 | 499,000 | 619,000 |
| Net interest income | 625,000 | 1,114,000 | 1,683,000 | 2,297,000 |
| Noninterest income | 104,000 | 160,000 | 165,000 | 117,000 |
| Noninterest expense | 600,000 | 1,218,000 | 1,795,000 | 2,497,000 |
| Provision for loan losses | 90,000 | 746,000 | 876,000 | 1,270,000 |
| Pretax income | 39,000 | -690,000 | -823,000 | -1,353,000 |
| Income tax | 11,000 | -121,000 | -289,000 | -536,000 |
| Net income | 28,000 | -569,000 | -534,000 | -817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,849,000 | 8,372,000 | 8,448,000 | 8,164,000 |
| Total capital | 9,390,000 | 8,916,000 | 8,974,000 | 8,694,000 |
| Risk-weighted assets | 42,362,000 | 42,438,000 | 41,121,000 | 41,166,000 |