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 | 161,005,000 | 164,451,000 | 161,976,000 | 160,637,000 |
| Total loans | 119,747,000 | 124,796,000 | 125,024,000 | 122,850,000 |
| Allowance for loan losses | 1,138,000 | 1,552,000 | 1,599,000 | 1,559,000 |
| Securities available for sale | 9,886,000 | 12,052,000 | 12,257,000 | 12,825,000 |
| Securities held to maturity | 14,277,000 | 6,482,000 | 6,985,000 | 6,599,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,606,000 | 148,371,000 | 145,374,000 | 143,574,000 |
| Interest-bearing deposits | 122,332,000 | 123,917,000 | 123,197,000 | 121,652,000 |
| Noninterest-bearing deposits | 22,274,000 | 24,454,000 | 22,177,000 | 21,922,000 |
| Equity capital | 13,157,000 | 12,871,000 | 13,331,000 | 14,065,000 |
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 | 2,707,000 | 5,379,000 | 8,017,000 | 10,505,000 |
| Interest expense | 1,243,000 | 2,339,000 | 3,375,000 | 4,348,000 |
| Net interest income | 1,464,000 | 3,040,000 | 4,642,000 | 6,157,000 |
| Noninterest income | 407,000 | 1,041,000 | 1,732,000 | 2,278,000 |
| Noninterest expense | 1,615,000 | 3,265,000 | 4,990,000 | 6,345,000 |
| Provision for loan losses | 305,000 | 725,000 | 830,000 | 935,000 |
| Pretax income | -49,000 | 91,000 | 554,000 | 1,155,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -49,000 | 91,000 | 554,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,918,000 | 12,935,000 | 13,271,000 | 13,736,000 |
| Total capital | 14,056,000 | 14,487,000 | 14,808,000 | 15,270,000 |
| Risk-weighted assets | 122,125,000 | 126,162,000 | 122,931,000 | 122,736,000 |