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 | 104,535,000 | 98,954,000 | 104,764,000 | 119,831,000 |
| Total loans | 35,646,000 | 39,299,000 | 39,920,000 | 39,030,000 |
| Allowance for loan losses | 640,000 | 646,000 | 606,000 | 618,000 |
| Securities available for sale | 53,790,000 | 50,086,000 | 49,858,000 | 51,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,639,000 | 89,105,000 | 94,374,000 | 108,439,000 |
| Interest-bearing deposits | 75,968,000 | 71,137,000 | 76,241,000 | 90,817,000 |
| Noninterest-bearing deposits | 17,671,000 | 17,968,000 | 18,133,000 | 17,622,000 |
| Equity capital | 10,103,000 | 9,505,000 | 10,021,000 | 10,788,000 |
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 | 1,489,000 | 2,859,000 | 4,211,000 | 5,553,000 |
| Interest expense | 485,000 | 881,000 | 1,262,000 | 1,629,000 |
| Net interest income | 1,004,000 | 1,978,000 | 2,949,000 | 3,924,000 |
| Noninterest income | 208,000 | 363,000 | 534,000 | 690,000 |
| Noninterest expense | 607,000 | 1,238,000 | 1,920,000 | 2,597,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 605,000 | 1,088,000 | 1,535,000 | 1,992,000 |
| Income tax | 201,000 | 348,000 | 466,000 | 606,000 |
| Net income | 404,000 | 740,000 | 1,069,000 | 1,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,688,000 | 9,904,000 | 10,233,000 | 10,390,000 |
| Total capital | 10,328,000 | 10,550,000 | 10,839,000 | 11,008,000 |
| Risk-weighted assets | 51,757,000 | 52,426,000 | 53,545,000 | 55,735,000 |