Call reports 2013
COMMERCIAL CAPITAL BANK — 2013
What COMMERCIAL CAPITAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 56,345,000 | 62,164,000 | 66,883,000 | 64,039,000 |
| Total loans | 35,647,000 | 47,163,000 | 40,690,000 | 33,797,000 |
| Allowance for loan losses | 470,000 | 500,000 | 520,000 | 550,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,670,000 | 7,670,000 | 7,670,000 | 7,671,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,353,000 | 53,115,000 | 55,634,000 | 56,109,000 |
| Interest-bearing deposits | 41,626,000 | 44,837,000 | 44,612,000 | 47,330,000 |
| Noninterest-bearing deposits | 8,727,000 | 8,278,000 | 11,022,000 | 8,779,000 |
| Equity capital | 5,891,000 | 6,312,000 | 8,921,000 | 7,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 771,000 | 1,655,000 | 2,523,000 | 3,220,000 |
| Interest expense | 87,000 | 180,000 | 278,000 | 369,000 |
| Net interest income | 684,000 | 1,475,000 | 2,245,000 | 2,851,000 |
| Noninterest income | 72,000 | 160,000 | 253,000 | 345,000 |
| Noninterest expense | 420,000 | 840,000 | 1,290,000 | 1,878,000 |
| Provision for loan losses | 22,000 | 55,000 | 92,000 | 125,000 |
| Pretax income | 314,000 | 740,000 | 1,116,000 | 1,193,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 314,000 | 740,000 | 1,116,000 | 1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,891,000 | 6,312,000 | 8,921,000 | 7,863,000 |
| Total capital | 6,360,000 | 6,812,000 | 9,419,000 | 8,348,000 |
| Risk-weighted assets | 37,539,000 | 43,993,000 | 39,838,000 | 38,698,000 |