Call reports 2016
CALIFORNIA BANK OF COMMERCE — 2016
What CALIFORNIA 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 | 636,935,000 | 724,948,000 | 768,729,000 | 764,745,000 |
| Total loans | 531,579,000 | 579,749,000 | 608,458,000 | 627,509,000 |
| Allowance for loan losses | 6,200,000 | 6,635,000 | 7,100,000 | 7,525,000 |
| Securities available for sale | 18,372,000 | 17,650,000 | 16,756,000 | 15,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,755,000 | 613,686,000 | 656,585,000 | 650,047,000 |
| Interest-bearing deposits | 331,045,000 | 384,759,000 | 386,355,000 | 365,373,000 |
| Noninterest-bearing deposits | 195,710,000 | 228,927,000 | 270,230,000 | 284,674,000 |
| Equity capital | 79,045,000 | 73,091,000 | 74,866,000 | 76,472,000 |
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 | 6,820,000 | 13,926,000 | 21,465,000 | 29,249,000 |
| Interest expense | 436,000 | 1,081,000 | 1,498,000 | 2,099,000 |
| Net interest income | 6,384,000 | 12,845,000 | 19,967,000 | 27,150,000 |
| Noninterest income | 610,000 | 1,318,000 | 2,086,000 | 3,060,000 |
| Noninterest expense | 5,373,000 | 10,411,000 | 15,566,000 | 20,390,000 |
| Provision for loan losses | 115,000 | 534,000 | 991,000 | 1,403,000 |
| Pretax income | 1,504,000 | 3,216,000 | 5,494,000 | 8,415,000 |
| Income tax | 561,000 | 1,204,000 | 2,087,000 | 3,222,000 |
| Net income | 943,000 | 2,012,000 | 3,407,000 | 5,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,057,000 | 63,599,000 | 65,988,000 | 67,410,000 |
| Total capital | 75,392,000 | 75,271,000 | 78,129,000 | 79,981,000 |
| Risk-weighted assets | 641,287,000 | 694,750,000 | 733,377,000 | 752,625,000 |