Balance Sheet BANK OF COMMERCE HOLDINGS (NASDAQ - BOCH)

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Assets ($000)
Cash and Due from Banks 21,127 21,338 23,692 17,979 16,419
Fed Funds Sold 0 0 0 0 0
Deposits at Financial Institutions 22,813 59,266 23,673 48,991 51,988
Securities Purchased, to Resell 0 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0 0
Cash and Cash Equivalents 43,940 80,604 47,365 66,970 68,407
Trading Account Securities 0 0 0 0 0
Available for Sale Securities 285,077 286,950 256,928 267,954 175,174
Held to Maturity Securities 0 0 0 0 31,187
Other Securities 7,690 7,690 6,202 4,847 4,775
Total Cash & Securities 336,707 375,244 310,495 339,771 279,543
Gross Loans Held for Investment 1,054,374 1,035,065 948,178 881,545 805,535
Loan Loss Reserve 15,067 12,231 12,292 11,925 11,544
Loans Held for Sale, before Reserves 0 0 0 0 0
Total Net Loans 1,039,307 1,022,834 935,886 869,620 793,991
Real Estate Owned and Held for Investment 8 35 31 35 759
Goodwill 11,671 11,671 665 665 665
Core Deposit Intangibles 4,618 4,809 1,176 1,365 1,587
Other Intangibles 0 0 0 0 0
Intangible Assets other than Goodwill 4,618 4,809 1,176 1,365 1,587
Total Intangible Assets 16,289 16,480 1,841 2,030 2,252
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 18,520 19,370 13,119 14,748 16,226
Interest Receivable NA 4,678 4,609 4,462 4,044
Prepaid Expense NA 991 1,075 1,132 772
Bank-owned Life Insurance 23,824 23,701 22,410 21,898 23,098
Other Assets 21,225 16,283 17,638 15,725 20,307
Total Other Assets 63,569 65,023 58,851 57,965 64,447
Total Assets 1,455,880 1,479,616 1,307,104 1,269,421 1,140,992
Memo: Consolidated VIE Assets NA NA 0 0 0
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 1,242,387 1,267,171 1,131,716 1,102,732 1,004,666
FHLB Borrowings 10,000 0 0 0 0
Senior Debt 13,435 3,855 3,494 7,090 8,905
Trust Preferred (FAS 150) 10,310 10,310 10,310 10,310 10,310
Total Subordinated Debt 20,279 20,267 20,221 20,178 20,138
Redeemable Financial Instruments (FAS 150) 0 0 0 0 0
Total Debt 33,714 24,122 23,715 27,268 29,043
Total Other Liabilities 14,121 13,845 13,352 12,157 13,177
Total Liabilities 1,290,222 1,305,138 1,168,783 1,142,157 1,046,886
Memo: Consolidated VIE Liabilities NA NA 0 0 0
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 165,658 174,478 138,321 127,264 94,106
Equity Attributable to Parent Company 165,658 174,478 138,321 127,264 94,106
Noncontrolling Interests 0 0 0 0 0
Total Equity 165,658 174,478 138,321 127,264 94,106
Net Unrealized Gain 5,947 2,601 (3,008) (266) (659)
Tot Acc Other Comprehensive Inc 5,947 2,601 (3,008) (266) (659)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 72.42 69.95 72.54 69.44 70.60
Loans/ Deposits 84.87 81.68 83.78 79.94 80.18
Loan Loss Reserves/ Gross Loans 1.43 1.18 1.30 1.35 1.43
Reserves/ Loans Held For Investment 1.43 1.18 1.30 1.35 1.43
One Year Gap/ Assets NA (31) (32.18) (22.25) (25.63)
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) 285,077 286,950 256,928 266,943 175,174
Level 3 Assets($000) 8 68 31 95 1,806
Level 1 Liabilities($000) NA NA 0 0 0
Level 2 Liabilities($000) NA NA 0 0 0
Level 3 Liabilities($000) NA NA 0 0 0
FTE Employees(actual) 216 214 197 189 191
Annualized Growth Rates (%)
Asset Growth (6.42) 13.20 2.97 11.26 12.36
Gross Loans HFI Growth 7.46 9.16 7.56 9.44 12.27
Deposit Growth (7.82) 11.97 2.63 9.76 25
Average Balances ($000)
Avg Gross Loans HFI 1,033,689 1,020,801 915,360 818,119 752,938
Avg Loans HFS 0 0 0 0 0
Average Loans, Gross of Reserves 1,033,689 1,020,801 915,360 818,119 752,938
Avg Securities 272,274 285,429 257,737 239,564 196,187
Avg Other Int Earn Assets 47,135 54,095 47,038 66,872 58,668
Avg Secs & Other Int Earn Assets 319,409 339,524 304,775 306,436 254,855
Avg Interest Earning Assets 1,353,098 1,360,325 1,220,135 1,124,555 1,007,793
Avg Assets 1,454,019 1,458,112 1,288,841 1,198,251 1,079,750
Avg CDs 147,241 160,550 168,183 205,648 221,074
Avg Other Interest-bearing Deposits 676,466 683,589 598,038 546,081 478,941
Avg Interest-bearing Deposits 823,707 844,139 766,221 751,729 700,015
Avg Debt 20,493 30,849 47,919 28,593 47,596
Avg Interest-bearing Liabs 844,200 874,988 814,140 780,322 747,611
Avg Noninterest-bearing Deposits 420,847 400,588 332,197 289,735 226,368
Avg Total Deposits 1,244,554 1,244,727 1,098,418 1,041,464 926,383
Avg Preferred Equity 0 0 0 0 0
Avg Common Equity 172,120 164,642 130,218 115,901 92,554
Avg Equity 172,120 164,642 130,218 115,901 92,554
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