Call reports 2015
CALIFORNIA BANK OF COMMERCE — 2015
What CALIFORNIA 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 | 462,225,000 | 472,621,000 | 520,008,000 | 652,935,000 |
| Total loans | 344,705,000 | 379,460,000 | 393,809,000 | 518,372,000 |
| Allowance for loan losses | 5,575,000 | 5,680,000 | 5,700,000 | 5,875,000 |
| Securities available for sale | 39,525,000 | 34,316,000 | 27,259,000 | 31,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,872,000 | 381,324,000 | 426,721,000 | 542,184,000 |
| Interest-bearing deposits | 213,884,000 | 226,091,000 | 241,447,000 | 317,044,000 |
| Noninterest-bearing deposits | 157,988,000 | 155,233,000 | 185,274,000 | 225,140,000 |
| Equity capital | 59,753,000 | 60,480,000 | 61,678,000 | 77,938,000 |
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 | 4,301,000 | 8,786,000 | 13,617,000 | 18,637,000 |
| Interest expense | 323,000 | 655,000 | 1,011,000 | 1,384,000 |
| Net interest income | 3,978,000 | 8,131,000 | 12,606,000 | 17,253,000 |
| Noninterest income | 498,000 | 1,053,000 | 1,691,000 | 2,369,000 |
| Noninterest expense | 3,314,000 | 6,653,000 | 10,401,000 | 15,465,000 |
| Provision for loan losses | 4,000 | 98,000 | 111,000 | 280,000 |
| Pretax income | 1,158,000 | 2,433,000 | 3,763,000 | 3,855,000 |
| Income tax | 474,000 | 953,000 | 1,368,000 | 1,586,000 |
| Net income | 684,000 | 1,480,000 | 2,395,000 | 2,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,576,000 | 60,399,000 | 61,560,000 | 68,909,000 |
| Total capital | 65,012,000 | 66,160,000 | 67,345,000 | 74,919,000 |
| Risk-weighted assets | 434,647,000 | 478,510,000 | 500,402,000 | 633,145,000 |