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 | 125,596,000 | 128,557,000 | 131,016,000 | 146,705,000 |
| Total loans | 98,923,000 | 97,466,000 | 98,071,000 | 111,559,000 |
| Allowance for loan losses | 620,000 | 557,000 | 623,000 | 661,000 |
| Securities available for sale | 16,683,000 | 19,118,000 | 23,876,000 | 24,923,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,560,000 | 113,822,000 | 117,628,000 | 118,352,000 |
| Interest-bearing deposits | 86,705,000 | 89,122,000 | 91,869,000 | 93,604,000 |
| Noninterest-bearing deposits | 23,855,000 | 24,700,000 | 25,759,000 | 24,748,000 |
| Equity capital | 12,573,000 | 12,241,000 | 12,656,000 | 13,113,000 |
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 | 1,984,000 | 3,759,000 | 5,582,000 | 7,517,000 |
| Interest expense | 766,000 | 1,351,000 | 1,920,000 | 2,491,000 |
| Net interest income | 1,218,000 | 2,408,000 | 3,662,000 | 5,026,000 |
| Noninterest income | 409,000 | 883,000 | 1,351,000 | 1,802,000 |
| Noninterest expense | 1,125,000 | 2,377,000 | 3,463,000 | 4,671,000 |
| Provision for loan losses | 27,000 | 57,000 | 87,000 | 127,000 |
| Pretax income | 620,000 | 1,002,000 | 1,644,000 | 2,211,000 |
| Income tax | 229,000 | 374,000 | 616,000 | 831,000 |
| Net income | 391,000 | 628,000 | 1,028,000 | 1,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,450,000 | 12,482,000 | 12,647,000 | 12,715,000 |
| Total capital | 13,070,000 | 13,039,000 | 13,270,000 | 13,376,000 |
| Risk-weighted assets | 99,765,000 | 99,105,000 | 99,007,000 | 112,497,000 |