Call reports 2008
COMMUNITY COMMERCE BANK — 2008
What COMMUNITY COMMERCE BANK 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 | 350,559,000 | 347,001,000 | 364,957,000 | 393,077,000 |
| Total loans | 290,903,000 | 297,395,000 | 302,584,000 | 325,856,000 |
| Allowance for loan losses | 3,985,000 | 3,947,000 | 4,471,000 | 4,658,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,369,000 | 219,626,000 | 237,716,000 | 265,484,000 |
| Interest-bearing deposits | 215,190,000 | 216,312,000 | 234,614,000 | 263,349,000 |
| Noninterest-bearing deposits | 3,179,000 | 3,314,000 | 3,102,000 | 2,135,000 |
| Equity capital | 31,631,000 | 31,684,000 | 31,478,000 | 31,775,000 |
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 | 6,823,000 | 13,510,000 | 20,273,000 | 26,857,000 |
| Interest expense | 3,567,000 | 6,980,000 | 10,326,000 | 13,909,000 |
| Net interest income | 3,256,000 | 6,530,000 | 9,947,000 | 12,948,000 |
| Noninterest income | -94,000 | -12,000 | 65,000 | -88,000 |
| Noninterest expense | 2,353,000 | 4,606,000 | 6,735,000 | 8,645,000 |
| Provision for loan losses | -222,000 | -262,000 | 345,000 | 793,000 |
| Pretax income | 1,031,000 | 2,174,000 | 2,932,000 | 3,422,000 |
| Income tax | 371,000 | 768,000 | 1,009,000 | 1,031,000 |
| Net income | 660,000 | 1,406,000 | 1,923,000 | 2,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,631,000 | 31,684,000 | 31,478,000 | 31,775,000 |
| Total capital | 35,554,000 | 35,631,000 | 35,549,000 | 36,136,000 |
| Risk-weighted assets | 313,813,000 | 317,209,000 | 325,289,000 | 348,614,000 |