Call reports 2008
BANK OF COMMERCE, THE — 2008
What BANK OF COMMERCE, THE 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 | 730,004,000 | 717,834,000 | 741,665,000 | 782,413,000 |
| Total loans | 460,120,000 | 493,006,000 | 493,417,000 | 476,046,000 |
| Allowance for loan losses | 4,483,000 | 4,454,000 | 4,564,000 | 5,755,000 |
| Securities available for sale | 78,787,000 | 73,199,000 | 66,299,000 | 101,039,000 |
| Securities held to maturity | 74,482,000 | 78,465,000 | 73,811,000 | 98,419,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 607,198,000 | 595,391,000 | 615,527,000 | 653,849,000 |
| Interest-bearing deposits | 456,659,000 | 441,010,000 | 449,236,000 | 479,082,000 |
| Noninterest-bearing deposits | 150,539,000 | 154,381,000 | 166,291,000 | 174,767,000 |
| Equity capital | 115,976,000 | 118,933,000 | 123,037,000 | 119,961,000 |
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 | 11,399,000 | 22,154,000 | 32,578,000 | 42,616,000 |
| Interest expense | 3,141,000 | 5,778,000 | 8,084,000 | 10,289,000 |
| Net interest income | 8,258,000 | 16,376,000 | 24,494,000 | 32,327,000 |
| Noninterest income | 955,000 | 1,855,000 | 3,076,000 | 4,131,000 |
| Noninterest expense | 2,787,000 | 5,636,000 | 8,660,000 | 13,885,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 2,000,000 |
| Pretax income | 6,592,000 | 12,784,000 | 18,999,000 | 20,962,000 |
| Income tax | 2,323,000 | 4,486,000 | 6,670,000 | 7,132,000 |
| Net income | 4,269,000 | 8,298,000 | 12,329,000 | 13,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,086,000 | 118,916,000 | 122,747,000 | 118,648,000 |
| Total capital | 120,072,000 | 123,939,000 | 127,790,000 | 124,866,000 |
| Risk-weighted assets | 558,372,000 | 577,499,000 | 581,052,000 | 576,340,000 |