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 | 268,165,000 | 281,664,000 | 296,438,000 | 295,602,000 |
| Total loans | 177,257,000 | 197,937,000 | 209,865,000 | 214,281,000 |
| Allowance for loan losses | 2,297,000 | 2,424,000 | 2,483,000 | 2,581,000 |
| Securities available for sale | 66,302,000 | 62,434,000 | 60,599,000 | 60,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,551,000 | 220,710,000 | 233,734,000 | 243,933,000 |
| Interest-bearing deposits | 197,126,000 | 198,523,000 | 208,670,000 | 215,368,000 |
| Noninterest-bearing deposits | 21,425,000 | 22,188,000 | 25,064,000 | 28,566,000 |
| Equity capital | 23,106,000 | 22,664,000 | 22,926,000 | 23,811,000 |
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 | 2,895,000 | 5,929,000 | 9,181,000 | 12,462,000 |
| Interest expense | 431,000 | 848,000 | 1,260,000 | 1,688,000 |
| Net interest income | 2,464,000 | 5,081,000 | 7,921,000 | 10,774,000 |
| Noninterest income | 208,000 | 429,000 | 619,000 | 919,000 |
| Noninterest expense | 1,209,000 | 2,467,000 | 3,714,000 | 5,715,000 |
| Provision for loan losses | 150,000 | 300,000 | 495,000 | 645,000 |
| Pretax income | 1,313,000 | 2,743,000 | 4,460,000 | 5,462,000 |
| Income tax | 395,000 | 828,000 | 1,410,000 | 1,512,000 |
| Net income | 918,000 | 1,915,000 | 3,050,000 | 3,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,402,000 | 23,398,000 | 23,752,000 | 24,651,000 |
| Total capital | 24,699,000 | 25,822,000 | 26,235,000 | 27,231,000 |
| Risk-weighted assets | 188,287,000 | 201,421,000 | 212,034,000 | 215,983,000 |