Call reports 2013
COMMUNITY COMMERCE BANK — 2013
What COMMUNITY COMMERCE BANK 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 | 252,215,000 | 245,796,000 | 234,290,000 | 230,208,000 |
| Total loans | 184,949,000 | 172,582,000 | 166,538,000 | 156,126,000 |
| Allowance for loan losses | 10,512,000 | 10,011,000 | 8,504,000 | 7,145,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,765,000 | 1,649,000 | 1,343,000 | 1,259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,173,000 | 177,211,000 | 164,365,000 | 152,852,000 |
| Interest-bearing deposits | 184,965,000 | 176,963,000 | 163,962,000 | 152,521,000 |
| Noninterest-bearing deposits | 208,000 | 249,000 | 403,000 | 331,000 |
| Equity capital | 43,536,000 | 44,636,000 | 45,683,000 | 47,144,000 |
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 | 3,762,000 | 7,332,000 | 10,773,000 | 14,313,000 |
| Interest expense | 512,000 | 989,000 | 1,463,000 | 1,919,000 |
| Net interest income | 3,250,000 | 6,343,000 | 9,310,000 | 12,394,000 |
| Noninterest income | 393,000 | 818,000 | 959,000 | 1,187,000 |
| Noninterest expense | 2,171,000 | 4,357,000 | 6,525,000 | 9,015,000 |
| Provision for loan losses | -387,000 | -842,000 | -1,600,000 | -2,931,000 |
| Pretax income | 1,859,000 | 3,646,000 | 5,344,000 | 7,497,000 |
| Income tax | 822,000 | 1,509,000 | 2,160,000 | 2,853,000 |
| Net income | 1,037,000 | 2,137,000 | 3,184,000 | 4,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,875,000 | 39,204,000 | 40,757,000 | 43,050,000 |
| Total capital | 40,585,000 | 41,763,000 | 43,213,000 | 45,411,000 |
| Risk-weighted assets | 208,981,000 | 197,299,000 | 190,466,000 | 184,087,000 |