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 | 187,213,000 | 194,006,000 | 202,798,000 | 211,337,000 |
| Total loans | 97,445,000 | 103,940,000 | 114,461,000 | 115,898,000 |
| Allowance for loan losses | 1,000,000 | 984,000 | 913,000 | 984,000 |
| Securities available for sale | 72,135,000 | 72,679,000 | 70,775,000 | 73,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,876,000 | 141,626,000 | 145,367,000 | 153,903,000 |
| Interest-bearing deposits | 129,153,000 | 126,968,000 | 130,728,000 | 137,501,000 |
| Noninterest-bearing deposits | 14,723,000 | 14,658,000 | 14,639,000 | 16,402,000 |
| Equity capital | 18,710,000 | 17,783,000 | 17,802,000 | 17,994,000 |
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 | 2,644,000 | 5,390,000 | 8,269,000 | 11,139,000 |
| Interest expense | 1,310,000 | 2,561,000 | 3,840,000 | 5,103,000 |
| Net interest income | 1,334,000 | 2,829,000 | 4,429,000 | 6,036,000 |
| Noninterest income | 270,000 | 498,000 | 732,000 | 983,000 |
| Noninterest expense | 906,000 | 2,440,000 | 3,394,000 | 4,509,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 699,000 | 894,000 | 1,773,000 | 2,468,000 |
| Income tax | 171,000 | 184,000 | 351,000 | 532,000 |
| Net income | 528,000 | 710,000 | 1,422,000 | 1,936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,164,000 | 18,347,000 | 18,274,000 | 18,001,000 |
| Total capital | 19,164,000 | 19,331,000 | 19,187,000 | 18,985,000 |
| Risk-weighted assets | 110,995,000 | 117,398,000 | 125,507,000 | 129,028,000 |