Call reports 2014
AMERICAN BANK OF COMMERCE — 2014
What AMERICAN BANK OF COMMERCE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 77,950,000 | 76,823,000 | 80,829,000 | 84,292,000 |
| Total loans | 38,510,000 | 44,243,000 | 50,985,000 | 43,722,000 |
| Allowance for loan losses | 642,000 | 662,000 | 662,000 | 663,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,410,000 | 67,367,000 | 71,008,000 | 73,726,000 |
| Interest-bearing deposits | 43,969,000 | 38,841,000 | 44,606,000 | 45,130,000 |
| Noninterest-bearing deposits | 24,441,000 | 28,526,000 | 26,402,000 | 28,596,000 |
| Equity capital | 9,225,000 | 9,308,000 | 9,606,000 | 9,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 736,000 | 1,464,000 | 2,251,000 | 3,061,000 |
| Interest expense | 45,000 | 81,000 | 133,000 | 193,000 |
| Net interest income | 691,000 | 1,383,000 | 2,118,000 | 2,868,000 |
| Noninterest income | 261,000 | 480,000 | 929,000 | 1,540,000 |
| Noninterest expense | 775,000 | 1,511,000 | 2,206,000 | 3,034,000 |
| Provision for loan losses | 30,000 | 60,000 | 73,000 | 73,000 |
| Pretax income | 147,000 | 292,000 | 768,000 | 1,301,000 |
| Income tax | 56,000 | 117,000 | 295,000 | 485,000 |
| Net income | 91,000 | 175,000 | 473,000 | 816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,225,000 | 9,308,000 | 9,606,000 | 9,949,000 |
| Total capital | 9,796,000 | 9,892,000 | 10,231,000 | 10,585,000 |
| Risk-weighted assets | 45,576,000 | 46,639,000 | 55,405,000 | 50,818,000 |