Call reports 2008
BANK OF COMMERCE — 2008
What 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 | 92,184,000 | 94,924,000 | 89,943,000 | 98,090,000 |
| Total loans | 68,128,000 | 67,524,000 | 65,550,000 | 77,394,000 |
| Allowance for loan losses | 856,000 | 889,000 | 923,000 | 961,000 |
| Securities available for sale | 9,314,000 | 8,815,000 | 8,956,000 | 9,300,000 |
| Securities held to maturity | 2,298,000 | 2,297,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,965,000 | 76,791,000 | 71,511,000 | 72,740,000 |
| Interest-bearing deposits | 67,355,000 | 64,955,000 | 62,925,000 | 65,409,000 |
| Noninterest-bearing deposits | 7,610,000 | 11,836,000 | 8,586,000 | 7,331,000 |
| Equity capital | 11,400,000 | 11,292,000 | 11,581,000 | 12,177,000 |
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 | 1,641,000 | 3,263,000 | 4,791,000 | 6,412,000 |
| Interest expense | 740,000 | 1,372,000 | 1,882,000 | 2,412,000 |
| Net interest income | 901,000 | 1,891,000 | 2,909,000 | 4,000,000 |
| Noninterest income | 52,000 | 162,000 | 187,000 | 218,000 |
| Noninterest expense | 556,000 | 1,130,000 | 1,777,000 | 2,474,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 397,000 | 833,000 | 1,201,000 | 1,582,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 396,000 | 832,000 | 1,200,000 | 1,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,229,000 | 10,424,000 | 10,561,000 | 10,764,000 |
| Total capital | 11,085,000 | 11,313,000 | 11,484,000 | 11,725,000 |
| Risk-weighted assets | 78,534,000 | 78,566,000 | 77,487,000 | 87,716,000 |
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