Call reports 2007
COMMERCE BANK OF OREGON, THE — 2007
What COMMERCE BANK OF OREGON, 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 | 31,935,000 | 31,525,000 | 39,368,000 | 43,401,000 |
| Total loans | 18,792,000 | 19,790,000 | 24,905,000 | 26,324,000 |
| Allowance for loan losses | 200,000 | 210,000 | 262,000 | 464,000 |
| Securities available for sale | 3,984,000 | 3,811,000 | 3,710,000 | 3,540,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,359,000 | 11,201,000 | 18,884,000 | 23,488,000 |
| Interest-bearing deposits | 9,739,000 | 9,022,000 | 15,595,000 | 20,092,000 |
| Noninterest-bearing deposits | 1,620,000 | 2,179,000 | 3,289,000 | 3,396,000 |
| Equity capital | 19,042,000 | 18,783,000 | 18,556,000 | 18,214,000 |
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 | 478,000 | 998,000 | 1,637,000 | 2,317,000 |
| Interest expense | 107,000 | 216,000 | 383,000 | 586,000 |
| Net interest income | 371,000 | 782,000 | 1,254,000 | 1,731,000 |
| Noninterest income | 7,000 | 17,000 | 31,000 | 76,000 |
| Noninterest expense | 817,000 | 1,703,000 | 2,684,000 | 3,688,000 |
| Provision for loan losses | 50,000 | 60,000 | 112,000 | 314,000 |
| Pretax income | -489,000 | -964,000 | -1,511,000 | -2,195,000 |
| Income tax | -190,000 | -375,000 | -591,000 | -829,000 |
| Net income | -299,000 | -589,000 | -920,000 | -1,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,140,000 | 17,889,000 | 17,596,000 | 17,295,000 |
| Total capital | 18,352,000 | 18,117,000 | 17,878,000 | 17,688,000 |
| Risk-weighted assets | 22,792,000 | 22,541,000 | 28,792,000 | 31,368,000 |