Call reports 2015
COMMUNITY COMMERCE BANK — 2015
What COMMUNITY COMMERCE BANK 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 | 186,723,000 | 183,002,000 | 178,763,000 | 181,506,000 |
| Total loans | 122,731,000 | 121,051,000 | 122,604,000 | 124,425,000 |
| Allowance for loan losses | 4,958,000 | 4,592,000 | 4,276,000 | 3,696,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 794,000 | 753,000 | 709,000 | 672,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,325,000 | 97,773,000 | 92,931,000 | 94,197,000 |
| Interest-bearing deposits | 100,318,000 | 96,743,000 | 91,631,000 | 93,365,000 |
| Noninterest-bearing deposits | 1,007,000 | 1,030,000 | 1,300,000 | 832,000 |
| Equity capital | 50,001,000 | 50,249,000 | 50,563,000 | 50,864,000 |
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 | 2,705,000 | 5,226,000 | 7,835,000 | 10,167,000 |
| Interest expense | 338,000 | 657,000 | 969,000 | 1,275,000 |
| Net interest income | 2,367,000 | 4,569,000 | 6,866,000 | 8,892,000 |
| Noninterest income | 178,000 | 359,000 | 535,000 | 717,000 |
| Noninterest expense | 1,871,000 | 3,594,000 | 5,257,000 | 6,624,000 |
| Provision for loan losses | -460,000 | -826,000 | -1,153,000 | -1,734,000 |
| Pretax income | 1,134,000 | 2,160,000 | 3,297,000 | 4,719,000 |
| Income tax | 421,000 | 797,000 | 1,219,000 | 2,037,000 |
| Net income | 713,000 | 1,363,000 | 2,078,000 | 2,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,735,000 | 50,118,000 | 50,551,000 | 50,244,000 |
| Total capital | 51,509,000 | 51,884,000 | 52,324,000 | 52,051,000 |
| Risk-weighted assets | 138,755,000 | 138,471,000 | 139,365,000 | 142,041,000 |