Balance Sheet BANK OF COMMERCE HOLDINGS (NASDAQ - BOCH)

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Assets ($000)
Cash and Due from Banks 32,505 23,692 17,979 16,419 9,730
Fed Funds Sold 0 0 0 0 0
Deposits at Financial Institutions 56,099 23,673 48,991 51,988 41,462
Securities Purchased, to Resell 0 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0 0
Cash and Cash Equivalents 88,604 47,365 66,970 68,407 51,192
Trading Account Securities 0 0 0 0 0
Available for Sale Securities 272,341 256,928 267,954 175,174 159,030
Held to Maturity Securities 0 0 0 31,187 35,899
Other Securities 7,689 6,202 4,847 4,775 4,775
Total Cash & Securities 368,634 310,495 339,771 279,543 250,896
Gross Loans Held for Investment 1,035,062 948,178 881,545 805,535 717,509
Loan Loss Reserve 12,285 12,292 11,925 11,544 11,180
Loans Held for Sale, before Reserves 0 0 0 0 0
Total Net Loans 1,022,777 935,886 869,620 793,991 706,329
Real Estate Owned and Held for Investment 58 31 35 759 1,423
Goodwill 11,671 665 665 665 0
Core Deposit Intangibles 5,001 1,176 1,365 1,587 0
Other Intangibles 0 0 0 0 0
Intangible Assets other than Goodwill 5,001 1,176 1,365 1,587 0
Total Intangible Assets 16,672 1,841 2,030 2,252 0
Loan Servicing Rights 0 0 0 0 0
Credit Card Rights 0 0 0 0 0
Other Loan Servicing Rights 0 0 0 0 0
Total Servicing Rights 0 0 0 0 0
Fixed Assets 19,738 13,119 14,748 16,226 11,072
Interest Receivable NA 4,609 4,462 4,044 3,881
Prepaid Expense NA 1,075 1,132 772 731
Bank-owned Life Insurance 23,576 22,410 21,898 23,098 22,485
Other Assets 20,972 17,638 15,725 20,307 18,624
Total Other Assets 64,286 58,851 57,965 64,447 56,793
Total Assets 1,472,427 1,307,104 1,269,421 1,140,992 1,015,441
Memo: Consolidated VIE Assets NA 0 0 0 NA
Memo: Covered Loans 0 0 0 0 0
Memo: Covered OREO 0 0 0 0 0
Memo: Covered Securities 0 0 0 0 0
Memo: Covered Assets 0 0 0 0 0
Liabilities ($000)
Total Deposits 1,262,139 1,131,716 1,102,732 1,004,666 803,735
FHLB Borrowings 0 0 0 0 75,000
Senior Debt 4,062 3,494 7,090 8,905 84,902
Trust Preferred (FAS 150) 10,310 10,310 10,310 10,310 10,310
Total Subordinated Debt 20,255 20,221 20,178 20,138 20,102
Redeemable Financial Instruments (FAS 150) 0 0 0 0 0
Total Debt 24,317 23,715 27,268 29,043 105,004
Total Other Liabilities 14,334 13,352 12,157 13,177 16,180
Total Liabilities 1,300,790 1,168,783 1,142,157 1,046,886 924,919
Memo: Consolidated VIE Liabilities NA 0 0 0 NA
Mezzanine ($000)
Redeemable Preferred 0 0 0 0 0
Trust Preferred Securities 0 0 0 0 0
Total Minority Interest 0 0 0 0 0
Other Mezzanine Items 0 0 0 0 0
Total Mezzanine Level Items 0 0 0 0 0
Equity ($000)
TARP Preferred Equity 0 0 0 0 0
Other Preferred Equity 0 0 0 0 0
Total Preferred Equity 0 0 0 0 0
Common Equity 171,637 138,321 127,264 94,106 90,522
Equity Attributable to Parent Company 171,637 138,321 127,264 94,106 90,522
Noncontrolling Interests 0 0 0 0 0
Total Equity 171,637 138,321 127,264 94,106 90,522
Net Unrealized Gain 2,337 (3,008) (266) (659) 1,142
Tot Acc Other Comprehensive Inc 2,337 (3,008) (266) (659) (254)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 70.30 72.54 69.44 70.60 70.66
Loans/ Deposits 82.01 83.78 79.94 80.18 89.27
Loan Loss Reserves/ Gross Loans 1.19 1.30 1.35 1.43 1.56
Reserves/ Loans Held For Investment 1.19 1.30 1.35 1.43 1.56
One Year Gap/ Assets NA (32.18) (22.25) (25.63) (26.96)
1-4 Loans Serviced for Others($000) 0 0 0 0 0
Level 1 Assets($000) 0 0 0 0 0
Level 2 Assets($000) 272,341 256,928 266,943 175,174 159,030
Level 3 Assets($000) 10,229 31 95 1,806 1,450
Level 1 Liabilities($000) NA 0 0 0 0
Level 2 Liabilities($000) NA 0 0 0 2,369
Level 3 Liabilities($000) NA 0 0 0 0
FTE Employees(actual) 209 197 189 191 168
Annualized Growth Rates (%)
Asset Growth 16.86 2.97 11.26 12.36 1.83
Gross Loans HFI Growth 12.22 7.56 9.44 12.27 8.54
Deposit Growth 15.37 2.63 9.76 25 1.86
Average Balances ($000)
Avg Gross Loans HFI 1,017,127 915,360 818,119 752,938 699,227
Avg Loans HFS 0 0 0 0 0
Average Loans, Gross of Reserves 1,017,127 915,360 818,119 752,938 699,227
Avg Securities 288,051 257,737 239,564 196,187 197,986
Avg Other Int Earn Assets 44,995 47,038 66,872 58,668 30,323
Avg Secs & Other Int Earn Assets 333,046 304,775 306,436 254,855 228,309
Avg Interest Earning Assets 1,350,173 1,220,135 1,124,555 1,007,793 927,536
Avg Assets 1,446,476 1,288,841 1,198,251 1,079,750 992,731
Avg CDs 163,020 168,183 205,648 221,074 238,626
Avg Other Interest-bearing Deposits 677,872 598,038 546,081 478,941 375,764
Avg Interest-bearing Deposits 840,892 766,221 751,729 700,015 614,390
Avg Debt 34,417 47,919 28,593 47,596 99,184
Avg Interest-bearing Liabs 875,309 814,140 780,322 747,611 713,574
Avg Noninterest-bearing Deposits 391,208 332,197 289,735 226,368 156,578
Avg Total Deposits 1,232,100 1,098,418 1,041,464 926,383 770,968
Avg Preferred Equity 0 0 0 0 18,991
Avg Common Equity 162,032 130,218 115,901 92,554 87,000
Avg Equity 162,032 130,218 115,901 92,554 105,991
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