Call reports 2009
BANK OF COMMERCE — 2009
What BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 109,733,000 | 106,670,000 | 108,226,000 | 105,696,000 |
| Total loans | 41,472,000 | 43,352,000 | 43,966,000 | 46,204,000 |
| Allowance for loan losses | 617,000 | 664,000 | 706,000 | 713,000 |
| Securities available for sale | 53,216,000 | 52,237,000 | 50,653,000 | 51,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,760,000 | 94,526,000 | 95,408,000 | 93,095,000 |
| Interest-bearing deposits | 80,309,000 | 76,603,000 | 78,677,000 | 76,893,000 |
| Noninterest-bearing deposits | 17,451,000 | 17,923,000 | 16,731,000 | 16,202,000 |
| Equity capital | 11,253,000 | 11,448,000 | 11,993,000 | 11,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,290,000 | 2,558,000 | 3,790,000 | 5,005,000 |
| Interest expense | 318,000 | 610,000 | 892,000 | 1,155,000 |
| Net interest income | 972,000 | 1,948,000 | 2,898,000 | 3,850,000 |
| Noninterest income | 139,000 | 283,000 | 445,000 | 601,000 |
| Noninterest expense | 690,000 | 1,416,000 | 2,149,000 | 2,908,000 |
| Provision for loan losses | 0 | 45,000 | 90,000 | 135,000 |
| Pretax income | 479,000 | 831,000 | 1,223,000 | 1,526,000 |
| Income tax | 145,000 | 256,000 | 377,000 | 457,000 |
| Net income | 334,000 | 575,000 | 846,000 | 1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,724,000 | 10,845,000 | 11,115,000 | 11,239,000 |
| Total capital | 11,341,000 | 11,509,000 | 11,820,000 | 11,952,000 |
| Risk-weighted assets | 55,076,000 | 55,757,000 | 56,399,000 | 58,635,000 |