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 | 63,740,000 | 73,592,000 | 80,090,000 | 88,764,000 |
| Total loans | 42,783,000 | 52,447,000 | 60,088,000 | 66,126,000 |
| Allowance for loan losses | 643,000 | 789,000 | 904,000 | 995,000 |
| Securities available for sale | 13,921,000 | 18,861,000 | 18,017,000 | 20,674,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,603,000 | 48,492,000 | 48,917,000 | 58,030,000 |
| Interest-bearing deposits | 33,427,000 | 42,049,000 | 42,530,000 | 48,737,000 |
| Noninterest-bearing deposits | 7,176,000 | 6,444,000 | 6,387,000 | 9,293,000 |
| Equity capital | 15,309,000 | 15,086,000 | 15,091,000 | 15,370,000 |
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 | 973,000 | 2,202,000 | 3,603,000 | 5,133,000 |
| Interest expense | 412,000 | 963,000 | 1,595,000 | 2,256,000 |
| Net interest income | 561,000 | 1,239,000 | 2,008,000 | 2,877,000 |
| Noninterest income | 23,000 | 81,000 | 124,000 | 188,000 |
| Noninterest expense | 746,000 | 1,528,000 | 2,315,000 | 3,087,000 |
| Provision for loan losses | 92,000 | 238,000 | 353,000 | 444,000 |
| Pretax income | -254,000 | -446,000 | -542,000 | -472,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -254,000 | -446,000 | -542,000 | -472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,304,000 | 15,096,000 | 15,016,000 | 15,212,000 |
| Total capital | 15,947,000 | 15,883,000 | 15,920,000 | 16,204,000 |
| Risk-weighted assets | 51,447,000 | 62,206,000 | 72,612,000 | 79,357,000 |