Call reports 2007
AMERICAN BANK OF COMMERCE — 2007
What AMERICAN 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 | 607,418,000 | 620,797,000 | 626,283,000 | 649,124,000 |
| Total loans | 452,506,000 | 463,354,000 | 478,414,000 | 512,389,000 |
| Allowance for loan losses | 4,768,000 | 4,949,000 | 5,070,000 | 5,173,000 |
| Securities available for sale | 64,265,000 | 90,344,000 | 84,440,000 | 80,891,000 |
| Securities held to maturity | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 541,435,000 | 554,624,000 | 555,489,000 | 564,912,000 |
| Interest-bearing deposits | 460,696,000 | 476,551,000 | 479,163,000 | 482,654,000 |
| Noninterest-bearing deposits | 80,739,000 | 78,073,000 | 76,326,000 | 82,258,000 |
| Equity capital | 42,555,000 | 43,404,000 | 45,768,000 | 47,378,000 |
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 | 11,465,000 | 23,378,000 | 35,536,000 | 47,631,000 |
| Interest expense | 4,224,000 | 8,679,000 | 13,387,000 | 17,939,000 |
| Net interest income | 7,241,000 | 14,699,000 | 22,149,000 | 29,692,000 |
| Noninterest income | 900,000 | 1,710,000 | 2,423,000 | 3,399,000 |
| Noninterest expense | 5,324,000 | 10,615,000 | 15,915,000 | 21,499,000 |
| Provision for loan losses | 118,000 | 297,000 | 444,000 | 633,000 |
| Pretax income | 2,699,000 | 5,497,000 | 8,213,000 | 10,959,000 |
| Income tax | 957,000 | 1,907,000 | 2,841,000 | 3,804,000 |
| Net income | 1,742,000 | 3,590,000 | 5,372,000 | 7,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,418,000 | 43,738,000 | 45,168,000 | 46,247,000 |
| Total capital | 47,186,000 | 48,687,000 | 50,238,000 | 51,420,000 |
| Risk-weighted assets | 506,627,000 | 517,686,000 | 531,851,000 | 562,368,000 |