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 | 149,925,000 | 147,117,000 | 141,359,000 | 137,713,000 |
| Total loans | 95,271,000 | 96,203,000 | 95,749,000 | 98,772,000 |
| Allowance for loan losses | 1,523,000 | 1,584,000 | 1,125,000 | 1,208,000 |
| Securities available for sale | 35,896,000 | 35,124,000 | 31,148,000 | 29,304,000 |
| Securities held to maturity | 315,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,199,000 | 126,126,000 | 122,798,000 | 119,431,000 |
| Interest-bearing deposits | 90,846,000 | 88,561,000 | 85,975,000 | 84,778,000 |
| Noninterest-bearing deposits | 38,353,000 | 37,565,000 | 36,823,000 | 34,653,000 |
| Equity capital | 18,075,000 | 18,460,000 | 17,965,000 | 17,276,000 |
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 | 1,568,000 | 3,143,000 | 4,637,000 | 6,210,000 |
| Interest expense | 126,000 | 242,000 | 345,000 | 434,000 |
| Net interest income | 1,442,000 | 2,901,000 | 4,292,000 | 5,776,000 |
| Noninterest income | 308,000 | 602,000 | 806,000 | 998,000 |
| Noninterest expense | 1,227,000 | 2,482,000 | 3,776,000 | 5,065,000 |
| Provision for loan losses | 50,000 | 125,000 | 720,000 | 1,415,000 |
| Pretax income | 479,000 | 902,000 | 699,000 | 391,000 |
| Income tax | 182,000 | 345,000 | 51,000 | 0 |
| Net income | 297,000 | 557,000 | 648,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,097,000 | 18,357,000 | 17,948,000 | 17,692,000 |
| Total capital | 19,391,000 | 19,720,000 | 19,073,000 | 18,900,000 |
| Risk-weighted assets | 103,310,000 | 108,868,000 | 107,208,000 | 108,095,000 |