Call reports 2008
AMERICAN BANK OF COMMERCE — 2008
What AMERICAN 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 | 690,847,000 | 685,964,000 | 671,939,000 | 692,791,000 |
| Total loans | 532,938,000 | 508,317,000 | 505,436,000 | 492,214,000 |
| Allowance for loan losses | 5,437,000 | 6,369,000 | 5,811,000 | 5,553,000 |
| Securities available for sale | 95,248,000 | 82,227,000 | 98,435,000 | 115,077,000 |
| Securities held to maturity | 6,000,000 | 6,000,000 | 7,073,000 | 7,072,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 584,595,000 | 591,663,000 | 569,656,000 | 591,605,000 |
| Interest-bearing deposits | 510,739,000 | 506,479,000 | 491,042,000 | 508,359,000 |
| Noninterest-bearing deposits | 73,856,000 | 85,184,000 | 78,614,000 | 83,246,000 |
| Equity capital | 49,214,000 | 45,441,000 | 51,808,000 | 54,857,000 |
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 | 11,490,000 | 21,877,000 | 31,935,000 | 41,532,000 |
| Interest expense | 4,386,000 | 8,525,000 | 12,325,000 | 16,053,000 |
| Net interest income | 7,104,000 | 13,352,000 | 19,610,000 | 25,479,000 |
| Noninterest income | 1,038,000 | 2,068,000 | 3,160,000 | 4,198,000 |
| Noninterest expense | 5,946,000 | 11,441,000 | 17,152,000 | 22,719,000 |
| Provision for loan losses | 323,000 | 5,307,000 | 5,733,000 | 6,033,000 |
| Pretax income | 1,933,000 | -580,000 | 652,000 | 1,693,000 |
| Income tax | 668,000 | -167,000 | 212,000 | 443,000 |
| Net income | 1,265,000 | -413,000 | 440,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,985,000 | 44,778,000 | 51,003,000 | 51,218,000 |
| Total capital | 52,422,000 | 51,147,000 | 56,814,000 | 56,771,000 |
| Risk-weighted assets | 592,065,000 | 569,206,000 | 552,844,000 | 544,352,000 |