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 | 149,580,000 | 149,651,000 | 150,460,000 | 154,513,000 |
| Total loans | 116,174,000 | 123,146,000 | 118,949,000 | 114,534,000 |
| Allowance for loan losses | 986,000 | 1,031,000 | 1,136,000 | 919,000 |
| Securities available for sale | 5,258,000 | 5,948,000 | 8,299,000 | 9,178,000 |
| Securities held to maturity | 5,386,000 | 5,401,000 | 4,776,000 | 4,775,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,396,000 | 133,418,000 | 134,082,000 | 137,831,000 |
| Interest-bearing deposits | 112,261,000 | 113,075,000 | 113,583,000 | 117,116,000 |
| Noninterest-bearing deposits | 21,135,000 | 20,343,000 | 20,499,000 | 20,715,000 |
| Equity capital | 12,812,000 | 13,046,000 | 13,200,000 | 13,181,000 |
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 | 2,784,000 | 5,738,000 | 8,711,000 | 11,599,000 |
| Interest expense | 1,200,000 | 2,447,000 | 3,728,000 | 5,030,000 |
| Net interest income | 1,584,000 | 3,291,000 | 4,983,000 | 6,569,000 |
| Noninterest income | 555,000 | 1,168,000 | 1,882,000 | 2,557,000 |
| Noninterest expense | 1,410,000 | 2,872,000 | 4,364,000 | 5,986,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 624,000 | 1,377,000 | 2,186,000 | 2,720,000 |
| Income tax | 235,000 | 518,000 | 821,000 | 1,368,000 |
| Net income | 389,000 | 859,000 | 1,365,000 | 1,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,806,000 | 13,153,000 | 13,233,000 | 13,099,000 |
| Total capital | 13,792,000 | 14,184,000 | 14,369,000 | 14,018,000 |
| Risk-weighted assets | 117,684,000 | 121,144,000 | 114,099,000 | 117,583,000 |