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 | 129,462,000 | 128,662,000 | 129,303,000 | 127,003,000 |
| Total loans | 58,054,000 | 61,039,000 | 68,082,000 | 66,706,000 |
| Allowance for loan losses | 1,139,000 | 1,179,000 | 1,224,000 | 1,260,000 |
| Securities available for sale | 60,350,000 | 53,258,000 | 47,572,000 | 48,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,279,000 | 113,806,000 | 113,934,000 | 111,686,000 |
| Interest-bearing deposits | 86,582,000 | 87,321,000 | 87,703,000 | 84,453,000 |
| Noninterest-bearing deposits | 27,697,000 | 26,485,000 | 26,231,000 | 27,233,000 |
| Equity capital | 14,873,000 | 14,685,000 | 15,168,000 | 15,142,000 |
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 | 1,120,000 | 2,282,000 | 3,506,000 | 4,709,000 |
| Interest expense | 45,000 | 89,000 | 134,000 | 177,000 |
| Net interest income | 1,075,000 | 2,193,000 | 3,372,000 | 4,532,000 |
| Noninterest income | 132,000 | 263,000 | 402,000 | 594,000 |
| Noninterest expense | 807,000 | 1,597,000 | 2,403,000 | 3,239,000 |
| Provision for loan losses | 40,000 | 85,000 | 130,000 | 165,000 |
| Pretax income | 370,000 | 813,000 | 1,301,000 | 1,786,000 |
| Income tax | 60,000 | 187,000 | 332,000 | 479,000 |
| Net income | 310,000 | 626,000 | 969,000 | 1,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,240,000 | 14,416,000 | 14,759,000 | 14,817,000 |
| Total capital | 15,068,000 | 15,295,000 | 15,697,000 | 15,733,000 |
| Risk-weighted assets | 67,156,000 | 69,993,000 | 74,740,000 | 72,895,000 |