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 | 311,110,000 | 331,491,000 | 337,112,000 | 334,922,000 |
| Total loans | 220,552,000 | 239,580,000 | 243,668,000 | 239,699,000 |
| Allowance for loan losses | 2,751,000 | 2,776,000 | 3,041,000 | 3,235,000 |
| Securities available for sale | 65,181,000 | 65,300,000 | 65,206,000 | 64,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,671,000 | 256,927,000 | 260,248,000 | 273,543,000 |
| Interest-bearing deposits | 223,019,000 | 233,219,000 | 231,834,000 | 241,836,000 |
| Noninterest-bearing deposits | 25,652,000 | 23,708,000 | 28,414,000 | 31,707,000 |
| Equity capital | 24,799,000 | 26,559,000 | 28,397,000 | 30,799,000 |
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 | 3,277,000 | 6,741,000 | 10,348,000 | 13,884,000 |
| Interest expense | 434,000 | 898,000 | 1,401,000 | 1,922,000 |
| Net interest income | 2,843,000 | 5,843,000 | 8,947,000 | 11,962,000 |
| Noninterest income | 219,000 | 456,000 | 695,000 | 948,000 |
| Noninterest expense | 1,292,000 | 2,596,000 | 3,973,000 | 5,989,000 |
| Provision for loan losses | 175,000 | 350,000 | 650,000 | 950,000 |
| Pretax income | 1,595,000 | 3,359,000 | 5,025,000 | 5,997,000 |
| Income tax | 485,000 | 1,032,000 | 1,540,000 | 1,703,000 |
| Net income | 1,110,000 | 2,327,000 | 3,485,000 | 4,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,780,000 | 25,997,000 | 27,670,000 | 29,874,000 |
| Total capital | 27,531,000 | 28,773,000 | 30,711,000 | 33,109,000 |
| Risk-weighted assets | 226,466,000 | 238,894,000 | 243,751,000 | 262,628,000 |