Call reports 2008
COMMERCIAL BANK OF CALIFORNIA — 2008
What COMMERCIAL BANK OF CALIFORNIA 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 | 222,710,000 | 240,173,000 | 201,131,000 | 228,808,000 |
| Total loans | 146,981,000 | 153,607,000 | 155,319,000 | 160,747,000 |
| Allowance for loan losses | 2,204,000 | 1,965,000 | 2,891,000 | 4,686,000 |
| Securities available for sale | 34,740,000 | 32,721,000 | 28,781,000 | 26,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,131,000 | 178,727,000 | 139,601,000 | 171,489,000 |
| Interest-bearing deposits | 127,086,000 | 144,183,000 | 105,371,000 | 132,942,000 |
| Noninterest-bearing deposits | 34,045,000 | 34,544,000 | 34,230,000 | 38,547,000 |
| Equity capital | 36,151,000 | 36,175,000 | 35,726,000 | 31,612,000 |
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 | 3,669,000 | 6,774,000 | 9,959,000 | 13,051,000 |
| Interest expense | 1,480,000 | 2,881,000 | 4,172,000 | 5,349,000 |
| Net interest income | 2,189,000 | 3,893,000 | 5,787,000 | 7,702,000 |
| Noninterest income | 72,000 | 119,000 | 183,000 | 251,000 |
| Noninterest expense | 1,532,000 | 2,907,000 | 4,147,000 | 5,659,000 |
| Provision for loan losses | 20,000 | 244,000 | 1,588,000 | 7,834,000 |
| Pretax income | 709,000 | 861,000 | 235,000 | -5,540,000 |
| Income tax | 284,000 | 345,000 | 94,000 | -2,361,000 |
| Net income | 425,000 | 516,000 | 141,000 | -3,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,303,000 | 35,144,000 | 34,459,000 | 31,897,000 |
| Total capital | 37,507,000 | 37,109,000 | 37,039,000 | 34,623,000 |
| Risk-weighted assets | 209,347,000 | 218,236,000 | 206,128,000 | 216,095,000 |