Call reports 2015
BANK OF COMMERCE — 2015
What BANK OF COMMERCE 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 | 352,680,000 | 337,693,000 | 346,188,000 | 336,454,000 |
| Total loans | 235,616,000 | 246,002,000 | 243,096,000 | 241,640,000 |
| Allowance for loan losses | 3,408,000 | 3,612,000 | 3,591,000 | 3,680,000 |
| Securities available for sale | 71,886,000 | 70,319,000 | 77,092,000 | 75,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,930,000 | 270,500,000 | 275,535,000 | 269,784,000 |
| Interest-bearing deposits | 242,448,000 | 243,159,000 | 246,775,000 | 235,111,000 |
| Noninterest-bearing deposits | 48,482,000 | 27,341,000 | 28,759,000 | 34,673,000 |
| Equity capital | 30,723,000 | 30,935,000 | 31,264,000 | 32,646,000 |
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 | 3,386,000 | 6,876,000 | 10,485,000 | 14,081,000 |
| Interest expense | 522,000 | 1,043,000 | 1,582,000 | 2,111,000 |
| Net interest income | 2,864,000 | 5,833,000 | 8,903,000 | 11,970,000 |
| Noninterest income | 233,000 | 455,000 | 656,000 | 1,138,000 |
| Noninterest expense | 1,427,000 | 2,912,000 | 4,359,000 | 6,252,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 990,000 |
| Pretax income | 1,445,000 | 2,926,000 | 4,525,000 | 5,866,000 |
| Income tax | 414,000 | 860,000 | 1,347,000 | 1,682,000 |
| Net income | 1,031,000 | 2,066,000 | 3,178,000 | 4,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,086,000 | 29,604,000 | 29,431,000 | 31,954,000 |
| Total capital | 31,494,000 | 32,997,000 | 32,640,000 | 35,070,000 |
| Risk-weighted assets | 280,720,000 | 271,221,000 | 256,349,000 | 248,733,000 |