Call reports 2015
AMERICAN BANK OF COMMERCE — 2015
What AMERICAN BANK OF COMMERCE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 83,067,000 | 74,338,000 | 75,098,000 | 70,055,000 |
| Total loans | 42,059,000 | 45,769,000 | 44,004,000 | 45,909,000 |
| Allowance for loan losses | 662,000 | 676,000 | 721,000 | 751,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,927,000 | 64,018,000 | 64,591,000 | 59,418,000 |
| Interest-bearing deposits | 40,386,000 | 40,004,000 | 40,133,000 | 37,873,000 |
| Noninterest-bearing deposits | 32,541,000 | 24,014,000 | 24,458,000 | 21,545,000 |
| Equity capital | 9,971,000 | 10,219,000 | 10,292,000 | 10,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,457,000 | 2,202,000 | 2,947,000 |
| Interest expense | 56,000 | 104,000 | 144,000 | 181,000 |
| Net interest income | 657,000 | 1,353,000 | 2,058,000 | 2,766,000 |
| Noninterest income | 144,000 | 652,000 | 928,000 | 1,522,000 |
| Noninterest expense | 766,000 | 1,551,000 | 2,359,000 | 3,250,000 |
| Provision for loan losses | 0 | 15,000 | 45,000 | 75,000 |
| Pretax income | 35,000 | 439,000 | 582,000 | 963,000 |
| Income tax | 13,000 | 169,000 | 239,000 | 366,000 |
| Net income | 22,000 | 270,000 | 343,000 | 597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,956,000 | 10,219,000 | 10,292,000 | 10,546,000 |
| Total capital | 10,566,000 | 10,829,000 | 10,890,000 | 11,146,000 |
| Risk-weighted assets | 48,783,000 | 48,745,000 | 47,613,000 | 47,857,000 |