Call reports 2014
BANK OF COMMERCE — 2014
What BANK OF COMMERCE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 184,772,000 | 182,449,000 | 187,263,000 | 196,376,000 |
| Total loans | 132,112,000 | 131,887,000 | 131,271,000 | 143,861,000 |
| Allowance for loan losses | 1,734,000 | 1,522,000 | 1,515,000 | 1,383,000 |
| Securities available for sale | 33,491,000 | 32,782,000 | 33,676,000 | 35,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,536,000 | 156,092,000 | 162,979,000 | 167,818,000 |
| Interest-bearing deposits | 114,374,000 | 112,098,000 | 114,905,000 | 114,272,000 |
| Noninterest-bearing deposits | 45,162,000 | 43,994,000 | 48,074,000 | 53,546,000 |
| Equity capital | 18,738,000 | 19,591,000 | 20,140,000 | 20,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,932,000 | 3,845,000 | 5,705,000 | 7,673,000 |
| Interest expense | 147,000 | 290,000 | 433,000 | 576,000 |
| Net interest income | 1,785,000 | 3,555,000 | 5,272,000 | 7,097,000 |
| Noninterest income | 501,000 | 1,190,000 | 1,978,000 | 2,644,000 |
| Noninterest expense | 1,439,000 | 2,857,000 | 4,408,000 | 6,089,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 847,000 | 1,874,000 | 2,828,000 | 3,645,000 |
| Income tax | 322,000 | 710,000 | 1,071,000 | 1,379,000 |
| Net income | 525,000 | 1,164,000 | 1,757,000 | 2,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,897,000 | 19,536,000 | 20,069,000 | 20,328,000 |
| Total capital | 20,631,000 | 21,058,000 | 21,584,000 | 21,711,000 |
| Risk-weighted assets | 143,393,000 | 142,595,000 | 143,387,000 | 154,257,000 |