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 | 90,254,000 | 90,163,000 | 93,023,000 | 106,966,000 |
| Total loans | 34,493,000 | 36,868,000 | 36,287,000 | 35,340,000 |
| Allowance for loan losses | 614,000 | 611,000 | 632,000 | 619,000 |
| Securities available for sale | 40,014,000 | 40,037,000 | 42,353,000 | 49,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,448,000 | 81,567,000 | 83,847,000 | 97,304,000 |
| Interest-bearing deposits | 66,194,000 | 64,399,000 | 67,981,000 | 81,346,000 |
| Noninterest-bearing deposits | 15,254,000 | 17,168,000 | 15,866,000 | 15,958,000 |
| Equity capital | 8,311,000 | 8,201,000 | 8,735,000 | 9,229,000 |
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 | 1,341,000 | 2,713,000 | 4,071,000 | 5,511,000 |
| Interest expense | 499,000 | 1,006,000 | 1,511,000 | 2,008,000 |
| Net interest income | 842,000 | 1,707,000 | 2,560,000 | 3,503,000 |
| Noninterest income | 152,000 | 311,000 | 491,000 | 707,000 |
| Noninterest expense | 598,000 | 1,196,000 | 1,851,000 | 2,464,000 |
| Provision for loan losses | 0 | 15,000 | 36,000 | 32,000 |
| Pretax income | 396,000 | 807,000 | 1,164,000 | 1,714,000 |
| Income tax | 118,000 | 240,000 | 355,000 | 529,000 |
| Net income | 278,000 | 567,000 | 809,000 | 1,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,626,000 | 8,814,000 | 9,058,000 | 9,283,000 |
| Total capital | 9,218,000 | 9,425,000 | 9,684,000 | 9,902,000 |
| Risk-weighted assets | 47,359,000 | 49,606,000 | 50,101,000 | 51,970,000 |