Call reports 2009
AMERICAN BANK OF COMMERCE — 2009
What AMERICAN BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 715,280,000 | 714,329,000 | 687,616,000 | 712,845,000 |
| Total loans | 501,496,000 | 492,255,000 | 491,510,000 | 490,066,000 |
| Allowance for loan losses | 7,558,000 | 6,126,000 | 5,475,000 | 6,735,000 |
| Securities available for sale | 147,321,000 | 152,044,000 | 137,026,000 | 145,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 616,878,000 | 615,502,000 | 589,719,000 | 580,292,000 |
| Interest-bearing deposits | 543,519,000 | 535,686,000 | 515,733,000 | 502,622,000 |
| Noninterest-bearing deposits | 73,359,000 | 79,816,000 | 73,986,000 | 77,670,000 |
| Equity capital | 53,497,000 | 52,342,000 | 54,103,000 | 54,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,256,000 | 18,094,000 | 27,260,000 | 36,392,000 |
| Interest expense | 3,566,000 | 6,693,000 | 9,360,000 | 11,688,000 |
| Net interest income | 5,690,000 | 11,401,000 | 17,900,000 | 24,704,000 |
| Noninterest income | 370,000 | 1,692,000 | 2,892,000 | 4,195,000 |
| Noninterest expense | 4,964,000 | 10,102,000 | 15,491,000 | 20,594,000 |
| Provision for loan losses | 2,294,000 | 3,813,000 | 5,496,000 | 7,539,000 |
| Pretax income | 3,325,000 | 3,816,000 | 4,470,000 | 5,637,000 |
| Income tax | 1,146,000 | 1,212,000 | 1,349,000 | 1,700,000 |
| Net income | 2,179,000 | 2,604,000 | 3,121,000 | 3,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,802,000 | 52,631,000 | 52,553,000 | 52,774,000 |
| Total capital | 59,738,000 | 58,757,000 | 58,028,000 | 59,509,000 |
| Risk-weighted assets | 554,211,000 | 547,437,000 | 538,170,000 | 543,227,000 |