Call reports 2013
AMERICAN BANK OF COMMERCE — 2013
What AMERICAN BANK OF COMMERCE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 56,147,000 | 58,049,000 | 65,917,000 | 64,733,000 |
| Total loans | 35,137,000 | 34,025,000 | 35,092,000 | 38,088,000 |
| Allowance for loan losses | 625,000 | 642,000 | 672,000 | 639,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,139,000 | 48,761,000 | 56,589,000 | 55,048,000 |
| Interest-bearing deposits | 28,524,000 | 29,455,000 | 33,427,000 | 32,137,000 |
| Noninterest-bearing deposits | 18,615,000 | 19,306,000 | 23,162,000 | 22,911,000 |
| Equity capital | 8,554,000 | 8,872,000 | 8,986,000 | 9,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 644,000 | 1,297,000 | 1,959,000 | 2,598,000 |
| Interest expense | 38,000 | 68,000 | 104,000 | 139,000 |
| Net interest income | 606,000 | 1,229,000 | 1,855,000 | 2,459,000 |
| Noninterest income | 138,000 | 798,000 | 1,041,000 | 1,410,000 |
| Noninterest expense | 711,000 | 1,478,000 | 2,181,000 | 2,862,000 |
| Provision for loan losses | 40,000 | 70,000 | 100,000 | 100,000 |
| Pretax income | -7,000 | 479,000 | 615,000 | 907,000 |
| Income tax | 1,000 | 163,000 | 185,000 | 336,000 |
| Net income | -8,000 | 316,000 | 430,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,554,000 | 8,872,000 | 8,986,000 | 9,134,000 |
| Total capital | 9,070,000 | 9,364,000 | 9,518,000 | 9,683,000 |
| Risk-weighted assets | 40,373,000 | 38,439,000 | 42,011,000 | 43,825,000 |