Call reports 2016
AMERICAN BANK OF COMMERCE — 2016
What AMERICAN BANK OF COMMERCE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 69,209,000 | 76,359,000 | 78,006,000 | 90,292,000 |
| Total loans | 47,699,000 | 53,370,000 | 58,584,000 | 62,265,000 |
| Allowance for loan losses | 578,000 | 608,000 | 668,000 | 729,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,356,000 | 65,024,000 | 66,715,000 | 78,876,000 |
| Interest-bearing deposits | 35,274,000 | 43,604,000 | 42,060,000 | 44,844,000 |
| Noninterest-bearing deposits | 23,082,000 | 21,420,000 | 24,655,000 | 34,032,000 |
| Equity capital | 10,663,000 | 10,907,000 | 10,958,000 | 11,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 812,000 | 1,824,000 | 2,709,000 | 3,701,000 |
| Interest expense | 34,000 | 71,000 | 111,000 | 149,000 |
| Net interest income | 778,000 | 1,753,000 | 2,598,000 | 3,552,000 |
| Noninterest income | 280,000 | 725,000 | 1,045,000 | 1,516,000 |
| Noninterest expense | 876,000 | 1,829,000 | 2,817,000 | 3,773,000 |
| Provision for loan losses | 100,000 | 160,000 | 220,000 | 280,000 |
| Pretax income | 82,000 | 489,000 | 606,000 | 1,015,000 |
| Income tax | -34,000 | 129,000 | 195,000 | 381,000 |
| Net income | 116,000 | 360,000 | 411,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,663,000 | 10,907,000 | 10,958,000 | 11,181,000 |
| Total capital | 11,241,000 | 11,515,000 | 11,626,000 | 11,910,000 |
| Risk-weighted assets | 50,118,000 | 55,553,000 | 58,136,000 | 65,593,000 |