Call reports 2007
BANK OF COMMERCE — 2007
What 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 | 128,761,000 | 127,127,000 | 126,350,000 | 131,201,000 |
| Total loans | 67,532,000 | 67,101,000 | 66,737,000 | 67,990,000 |
| Allowance for loan losses | 632,000 | 637,000 | 637,000 | 637,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 42,576,000 | 45,213,000 | 44,199,000 | 40,289,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,039,000 | 113,414,000 | 113,480,000 | 118,020,000 |
| Interest-bearing deposits | 98,619,000 | 97,274,000 | 96,420,000 | 100,951,000 |
| Noninterest-bearing deposits | 16,420,000 | 16,140,000 | 17,060,000 | 17,069,000 |
| Equity capital | 9,625,000 | 9,756,000 | 9,089,000 | 9,516,000 |
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 | 1,728,000 | 3,506,000 | 5,265,000 | 7,036,000 |
| Interest expense | 656,000 | 1,346,000 | 2,047,000 | 2,733,000 |
| Net interest income | 1,072,000 | 2,160,000 | 3,218,000 | 4,303,000 |
| Noninterest income | 182,000 | 356,000 | 534,000 | 713,000 |
| Noninterest expense | 781,000 | 1,563,000 | 2,387,000 | 3,203,000 |
| Provision for loan losses | 5,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 468,000 | 943,000 | 1,355,000 | 1,803,000 |
| Income tax | 22,000 | 44,000 | 64,000 | 85,000 |
| Net income | 446,000 | 899,000 | 1,291,000 | 1,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,625,000 | 9,756,000 | 9,089,000 | 9,516,000 |
| Total capital | 10,257,000 | 10,393,000 | 9,726,000 | 10,153,000 |
| Risk-weighted assets | 70,776,000 | 69,908,000 | 70,150,000 | 71,224,000 |