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 | 125,669,000 | 132,229,000 | 131,307,000 | 133,773,000 |
| Total loans | 68,012,000 | 71,383,000 | 73,178,000 | 71,687,000 |
| Allowance for loan losses | 637,000 | 652,000 | 667,000 | 680,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 37,592,000 | 40,943,000 | 43,853,000 | 42,880,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,214,000 | 118,818,000 | 117,810,000 | 120,918,000 |
| Interest-bearing deposits | 95,554,000 | 100,485,000 | 99,896,000 | 103,146,000 |
| Noninterest-bearing deposits | 16,660,000 | 18,333,000 | 17,914,000 | 17,772,000 |
| Equity capital | 9,788,000 | 9,903,000 | 10,184,000 | 9,665,000 |
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 | 1,728,000 | 3,440,000 | 5,153,000 | 6,826,000 |
| Interest expense | 635,000 | 1,216,000 | 1,768,000 | 2,244,000 |
| Net interest income | 1,093,000 | 2,224,000 | 3,385,000 | 4,582,000 |
| Noninterest income | 179,000 | 351,000 | 519,000 | 685,000 |
| Noninterest expense | 821,000 | 1,656,000 | 2,507,000 | 3,353,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 45,000 |
| Pretax income | 451,000 | 904,000 | 1,367,000 | 1,869,000 |
| Income tax | 21,000 | 42,000 | 65,000 | 86,000 |
| Net income | 430,000 | 862,000 | 1,302,000 | 1,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,788,000 | 9,903,000 | 10,184,000 | 9,665,000 |
| Total capital | 10,425,000 | 10,555,000 | 10,851,000 | 10,345,000 |
| Risk-weighted assets | 67,284,000 | 71,468,000 | 72,939,000 | 70,513,000 |