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 | 164,670,000 | 167,258,000 | 176,424,000 | 176,422,000 |
| Total loans | 83,460,000 | 87,234,000 | 90,937,000 | 93,869,000 |
| Allowance for loan losses | 1,102,000 | 1,098,000 | 1,070,000 | 1,023,000 |
| Securities available for sale | 64,200,000 | 62,890,000 | 63,480,000 | 66,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,976,000 | 121,534,000 | 131,499,000 | 132,021,000 |
| Interest-bearing deposits | 108,355,000 | 108,374,000 | 116,102,000 | 115,113,000 |
| Noninterest-bearing deposits | 13,622,000 | 13,160,000 | 15,397,000 | 16,907,000 |
| Equity capital | 17,148,000 | 16,856,000 | 17,627,000 | 17,694,000 |
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 | 2,368,000 | 4,807,000 | 7,278,000 | 9,924,000 |
| Interest expense | 1,291,000 | 2,603,000 | 4,006,000 | 5,401,000 |
| Net interest income | 1,077,000 | 2,204,000 | 3,272,000 | 4,523,000 |
| Noninterest income | 227,000 | 422,000 | 699,000 | 931,000 |
| Noninterest expense | 875,000 | 1,716,000 | 2,543,000 | 3,650,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 446,000 | 927,000 | 1,444,000 | 1,820,000 |
| Income tax | 35,000 | 58,000 | 71,000 | -26,000 |
| Net income | 411,000 | 869,000 | 1,373,000 | 1,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,273,000 | 17,730,000 | 17,949,000 | 17,636,000 |
| Total capital | 18,375,000 | 18,828,000 | 19,019,000 | 18,659,000 |
| Risk-weighted assets | 97,593,000 | 101,719,000 | 104,949,000 | 106,333,000 |