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 | 87,123,000 | 85,536,000 | 82,474,000 | 82,414,000 |
| Total loans | 58,435,000 | 57,240,000 | 55,474,000 | 55,937,000 |
| Allowance for loan losses | 185,000 | 156,000 | 292,000 | 277,000 |
| Securities available for sale | 21,786,000 | 21,846,000 | 20,310,000 | 18,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,540,000 | 69,098,000 | 67,550,000 | 70,156,000 |
| Interest-bearing deposits | 54,084,000 | 52,912,000 | 49,748,000 | 51,179,000 |
| Noninterest-bearing deposits | 17,456,000 | 16,186,000 | 17,802,000 | 18,977,000 |
| Equity capital | 11,095,000 | 11,193,000 | 11,332,000 | 10,318,000 |
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 | 1,125,000 | 2,083,000 | 3,050,000 | 3,996,000 |
| Interest expense | 48,000 | 101,000 | 153,000 | 200,000 |
| Net interest income | 1,077,000 | 1,982,000 | 2,897,000 | 3,796,000 |
| Noninterest income | 100,000 | 240,000 | 372,000 | 504,000 |
| Noninterest expense | 608,000 | 1,264,000 | 1,861,000 | 2,459,000 |
| Provision for loan losses | 50,000 | 50,000 | 150,000 | 225,000 |
| Pretax income | 520,000 | 787,000 | 1,175,000 | 1,413,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 520,000 | 787,000 | 1,175,000 | 1,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,757,000 | 10,535,000 | 10,435,000 | 10,189,000 |
| Total capital | 10,942,000 | 10,691,000 | 10,726,000 | 10,466,000 |
| Risk-weighted assets | 56,265,000 | 56,057,000 | 55,686,000 | 56,765,000 |
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