Call reports 2007
COMMERCIAL BANK OF CALIFORNIA — 2007
What COMMERCIAL BANK OF CALIFORNIA 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 | 229,178,000 | 230,847,000 | 231,137,000 | 235,452,000 |
| Total loans | 146,387,000 | 160,224,000 | 158,581,000 | 150,347,000 |
| Allowance for loan losses | 1,687,000 | 1,918,000 | 2,175,000 | 2,184,000 |
| Securities available for sale | 18,484,000 | 23,522,000 | 34,336,000 | 40,195,000 |
| Securities held to maturity | 2,000,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,534,000 | 195,686,000 | 184,049,000 | 187,182,000 |
| Interest-bearing deposits | 151,579,000 | 147,817,000 | 148,447,000 | 147,195,000 |
| Noninterest-bearing deposits | 43,955,000 | 47,869,000 | 35,602,000 | 39,987,000 |
| Equity capital | 32,366,000 | 33,954,000 | 34,738,000 | 35,724,000 |
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 | 4,273,000 | 8,718,000 | 13,534,000 | 18,100,000 |
| Interest expense | 1,608,000 | 3,194,000 | 5,117,000 | 6,921,000 |
| Net interest income | 2,665,000 | 5,524,000 | 8,417,000 | 11,179,000 |
| Noninterest income | 77,000 | 149,000 | 231,000 | 320,000 |
| Noninterest expense | 1,365,000 | 2,927,000 | 4,390,000 | 5,804,000 |
| Provision for loan losses | 61,000 | 292,000 | 549,000 | 557,000 |
| Pretax income | 1,316,000 | 2,454,000 | 3,709,000 | 5,138,000 |
| Income tax | 549,000 | 1,026,000 | 1,553,000 | 2,090,000 |
| Net income | 767,000 | 1,428,000 | 2,156,000 | 3,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,704,000 | 33,305,000 | 34,078,000 | 34,876,000 |
| Total capital | 33,391,000 | 35,223,000 | 36,253,000 | 37,060,000 |
| Risk-weighted assets | 202,351,000 | 215,091,000 | 216,166,000 | 213,014,000 |