Call reports 2007
BANK OF COMMERCE, THE — 2007
What BANK OF COMMERCE, THE 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 | 348,889,000 | 356,924,000 | 372,332,000 | 369,561,000 |
| Total loans | 282,835,000 | 289,082,000 | 297,424,000 | 299,232,000 |
| Allowance for loan losses | 3,108,000 | 3,309,000 | 2,970,000 | 3,662,000 |
| Securities available for sale | 20,991,000 | 19,944,000 | 21,262,000 | 20,527,000 |
| Securities held to maturity | 27,957,000 | 30,846,000 | 30,854,000 | 30,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,510,000 | 311,099,000 | 302,526,000 | 294,384,000 |
| Interest-bearing deposits | 266,967,000 | 284,721,000 | 281,580,000 | 275,580,000 |
| Noninterest-bearing deposits | 26,542,000 | 26,378,000 | 20,947,000 | 18,804,000 |
| Equity capital | 27,177,000 | 27,235,000 | 27,512,000 | 27,073,000 |
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 | 5,645,000 | 11,847,000 | 18,091,000 | 24,075,000 |
| Interest expense | 3,547,000 | 7,395,000 | 11,389,000 | 15,380,000 |
| Net interest income | 2,098,000 | 4,452,000 | 6,702,000 | 8,695,000 |
| Noninterest income | 109,000 | 255,000 | 374,000 | 516,000 |
| Noninterest expense | 1,854,000 | 3,972,000 | 6,299,000 | 8,585,000 |
| Provision for loan losses | 154,000 | 355,000 | 467,000 | 1,455,000 |
| Pretax income | 199,000 | 380,000 | 310,000 | -829,000 |
| Income tax | -12,000 | -37,000 | -164,000 | -697,000 |
| Net income | 211,000 | 417,000 | 474,000 | -132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,528,000 | 27,734,000 | 27,798,000 | 27,223,000 |
| Total capital | 35,636,000 | 36,043,000 | 35,768,000 | 35,885,000 |
| Risk-weighted assets | 280,420,000 | 288,769,000 | 305,986,000 | 307,710,000 |