PackageTrendsPeer
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Bank of Commerce

Charlotte, NC · Cert 58134

FDIC · 1 branch

Q2 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2014, the quarter ended June 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bank of Commerce

Charlotte, NC · Cert 58134

FDIC · 1 branch

Q2 2014

$122.8MAssets
$90.8MLoans
$92.8MDeposits
$12.3MEquity
Loan mix
82%RE $49.7M17%C&I $10.5M0%Consumer $0.1MQ2 2013Q2 2014
Deposit mix
86%Interest-bearing $79.6M14%Noninterest $13.2MQ2 2013Q2 2014

NIM

4.02%Q2 ’123.77%Q2 ’133.86%Q2 ’14+4%+1%

Non-interest income vs. expense

3.06%Q2 ’123.28%Q2 ’133.45%Q2 ’14+5%+5%

Market Position · Charlotte-Concord-Gastonia, NC-SC · 2014 SOD (annual) · 0.0% share · #32 of 49 inst. · $0.1B of $201.4B

Executive Summary

  • Earnings: ROA of 0.12%, down 14 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.18%.
  • Funding: loans stand at 97.83% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

0.12%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+5 bps YoY

Efficiency Ratio (YTD, annualized)

96.61%+343 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.26%0.28%0.34%0.42%0.12%-14 bps
Return on Equity2.68%2.95%3.64%4.56%1.22%-146 bps
Net Interest Margin3.26%3.23%3.21%3.22%3.30%+5 bps
Efficiency Ratio93.18%92.41%92.53%89.58%96.61%+343 bps
Non-Interest Burden3.02%2.97%2.95%2.86%3.18%+16 bps
Growth
Asset Growth (YoY)-9.37%-4.44%-1.65%-0.49%-3.70%+567 bps
Loan Growth (YoY)-5.92%-3.78%2.51%0.10%2.43%+835 bps
Deposit Growth (YoY)-6.71%11.59%2.91%5.84%-2.22%+449 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.52%0.53%0.41%0.09%0.18%-34 bps
Allowance / Loans1.87%1.72%1.64%1.60%1.55%-32 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.05%12.98%12.92%13.06%13.20%+15 bps
Equity / Assets9.33%8.86%8.96%9.57%10.02%+70 bps
Liquidity & Funding
Loans / Deposits93.39%82.02%97.01%94.21%97.83%+444 bps
Liquid Assets / Assets1.64%2.68%1.65%2.22%1.84%+20 bps
CRE / Total Capitaln/an/an/an/an/an/an/a