Call reports 2013
BANK OF COMMERCE — 2013
What BANK OF COMMERCE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 185,361,000 | 186,954,000 | 180,657,000 | 183,064,000 |
| Total loans | 122,812,000 | 125,501,000 | 124,546,000 | 127,744,000 |
| Allowance for loan losses | 1,537,000 | 1,647,000 | 1,722,000 | 1,733,000 |
| Securities available for sale | 40,734,000 | 38,894,000 | 36,912,000 | 33,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,371,000 | 166,067,000 | 159,016,000 | 159,120,000 |
| Interest-bearing deposits | 117,187,000 | 120,536,000 | 109,229,000 | 108,203,000 |
| Noninterest-bearing deposits | 47,184,000 | 45,531,000 | 49,787,000 | 50,917,000 |
| Equity capital | 17,171,000 | 17,007,000 | 17,655,000 | 18,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,893,000 | 3,799,000 | 5,846,000 | 7,747,000 |
| Interest expense | 167,000 | 326,000 | 471,000 | 603,000 |
| Net interest income | 1,726,000 | 3,473,000 | 5,375,000 | 7,144,000 |
| Noninterest income | 368,000 | 1,028,000 | 2,090,000 | 2,754,000 |
| Noninterest expense | 1,470,000 | 2,902,000 | 4,719,000 | 6,499,000 |
| Provision for loan losses | 111,000 | 222,000 | 297,000 | 297,000 |
| Pretax income | 513,000 | 1,377,000 | 2,449,000 | 3,105,000 |
| Income tax | 194,000 | 520,000 | 925,000 | 1,173,000 |
| Net income | 319,000 | 857,000 | 1,524,000 | 1,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,939,000 | 17,397,000 | 18,064,000 | 18,472,000 |
| Total capital | 18,476,000 | 19,044,000 | 19,733,000 | 20,200,000 |
| Risk-weighted assets | 133,652,000 | 134,030,000 | 133,477,000 | 138,233,000 |