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 | 157,653,000 | 155,768,000 | 156,137,000 | 148,965,000 |
| Total loans | 91,414,000 | 93,649,000 | 96,916,000 | 92,587,000 |
| Allowance for loan losses | 1,357,000 | 1,461,000 | 1,528,000 | 1,519,000 |
| Securities available for sale | 43,444,000 | 43,054,000 | 41,465,000 | 39,816,000 |
| Securities held to maturity | 625,000 | 315,000 | 315,000 | 315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,960,000 | 134,759,000 | 135,250,000 | 128,861,000 |
| Interest-bearing deposits | 97,207,000 | 94,781,000 | 93,795,000 | 91,111,000 |
| Noninterest-bearing deposits | 39,753,000 | 39,978,000 | 41,455,000 | 37,750,000 |
| Equity capital | 18,297,000 | 18,631,000 | 18,440,000 | 17,626,000 |
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 | 1,540,000 | 3,167,000 | 4,790,000 | 6,426,000 |
| Interest expense | 170,000 | 324,000 | 471,000 | 604,000 |
| Net interest income | 1,370,000 | 2,843,000 | 4,319,000 | 5,822,000 |
| Noninterest income | 418,000 | 749,000 | 1,049,000 | 1,329,000 |
| Noninterest expense | 1,190,000 | 2,417,000 | 3,652,000 | 5,011,000 |
| Provision for loan losses | -465,000 | -390,000 | -339,000 | -340,000 |
| Pretax income | 1,063,000 | 1,565,000 | 2,055,000 | 2,492,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,063,000 | 1,565,000 | 2,055,000 | 2,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,571,000 | 19,073,000 | 18,564,000 | 17,800,000 |
| Total capital | 19,810,000 | 20,339,000 | 19,879,000 | 19,052,000 |
| Risk-weighted assets | 99,077,000 | 101,081,000 | 104,972,000 | 99,912,000 |