Call reports 2016
BANK OF COMMERCE — 2016
What BANK OF COMMERCE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 343,871,000 | 349,682,000 | 362,681,000 | 366,916,000 |
| Total loans | 242,186,000 | 253,051,000 | 257,683,000 | 268,279,000 |
| Allowance for loan losses | 4,125,000 | 4,148,000 | 4,342,000 | 4,507,000 |
| Securities available for sale | 76,687,000 | 75,526,000 | 74,698,000 | 71,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,892,000 | 274,648,000 | 287,313,000 | 302,660,000 |
| Interest-bearing deposits | 250,316,000 | 245,548,000 | 254,652,000 | 266,387,000 |
| Noninterest-bearing deposits | 31,576,000 | 29,100,000 | 32,661,000 | 36,273,000 |
| Equity capital | 33,214,000 | 34,689,000 | 34,628,000 | 33,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,557,000 | 7,204,000 | 11,014,000 | 14,925,000 |
| Interest expense | 537,000 | 1,077,000 | 1,673,000 | 2,289,000 |
| Net interest income | 3,020,000 | 6,127,000 | 9,341,000 | 12,636,000 |
| Noninterest income | 811,000 | 1,055,000 | 1,322,000 | 1,571,000 |
| Noninterest expense | 1,538,000 | 3,090,000 | 4,704,000 | 6,950,000 |
| Provision for loan losses | 500,000 | 725,000 | 950,000 | 1,175,000 |
| Pretax income | 1,793,000 | 3,413,000 | 5,055,000 | 6,129,000 |
| Income tax | 326,000 | 816,000 | 1,324,000 | 1,534,000 |
| Net income | 1,467,000 | 2,597,000 | 3,731,000 | 4,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,225,000 | 33,356,000 | 33,389,000 | 34,216,000 |
| Total capital | 35,379,000 | 36,602,000 | 36,826,000 | 37,587,000 |
| Risk-weighted assets | 251,363,000 | 258,796,000 | 274,075,000 | 268,673,000 |