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 | 114,834,000 | 116,652,000 | 121,429,000 | 127,479,000 |
| Total loans | 89,063,000 | 90,540,000 | 92,993,000 | 98,479,000 |
| Allowance for loan losses | 661,000 | 669,000 | 668,000 | 593,000 |
| Securities available for sale | 8,653,000 | 9,681,000 | 17,081,000 | 18,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,944,000 | 102,477,000 | 106,939,000 | 110,331,000 |
| Interest-bearing deposits | 80,180,000 | 82,128,000 | 87,039,000 | 87,319,000 |
| Noninterest-bearing deposits | 20,764,000 | 20,349,000 | 19,900,000 | 23,013,000 |
| Equity capital | 11,540,000 | 11,787,000 | 12,039,000 | 12,214,000 |
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 | 1,942,000 | 3,996,000 | 6,146,000 | 8,282,000 |
| Interest expense | 798,000 | 1,644,000 | 2,540,000 | 3,434,000 |
| Net interest income | 1,144,000 | 2,352,000 | 3,606,000 | 4,848,000 |
| Noninterest income | 391,000 | 772,000 | 1,218,000 | 1,636,000 |
| Noninterest expense | 1,009,000 | 2,050,000 | 3,122,000 | 4,409,000 |
| Provision for loan losses | 34,000 | 55,000 | 82,000 | 103,000 |
| Pretax income | 492,000 | 1,019,000 | 1,608,000 | 1,985,000 |
| Income tax | 180,000 | 375,000 | 593,000 | 750,000 |
| Net income | 312,000 | 644,000 | 1,015,000 | 1,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,586,000 | 11,918,000 | 12,039,000 | 12,059,000 |
| Total capital | 12,247,000 | 12,587,000 | 12,707,000 | 12,652,000 |
| Risk-weighted assets | 91,803,000 | 92,403,000 | 94,483,000 | 100,304,000 |