Call reports 2003
BANK OF COMMERCE — 2003
What BANK OF COMMERCE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 42,919,000 | 46,881,000 | 51,553,000 | 53,536,000 |
| Total loans | 33,139,000 | 34,314,000 | 34,201,000 | 38,343,000 |
| Allowance for loan losses | 336,000 | 353,000 | 371,000 | 386,000 |
| Securities available for sale | 1,572,000 | 1,573,000 | 4,593,000 | 4,694,000 |
| Securities held to maturity | 528,000 | 524,000 | 1,612,000 | 1,603,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,560,000 | 41,421,000 | 45,953,000 | 47,793,000 |
| Interest-bearing deposits | 34,995,000 | 37,149,000 | 42,568,000 | 41,968,000 |
| Noninterest-bearing deposits | 2,565,000 | 4,272,000 | 3,385,000 | 5,825,000 |
| Equity capital | 5,202,000 | 5,294,000 | 5,405,000 | 5,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 594,000 | 1,232,000 | 1,963,000 | 2,685,000 |
| Interest expense | 243,000 | 492,000 | 758,000 | 1,007,000 |
| Net interest income | 351,000 | 740,000 | 1,205,000 | 1,678,000 |
| Noninterest income | 50,000 | 109,000 | 68,000 | 97,000 |
| Noninterest expense | 334,000 | 657,000 | 959,000 | 1,294,000 |
| Provision for loan losses | 19,000 | 35,000 | 54,000 | 78,000 |
| Pretax income | 48,000 | 157,000 | 260,000 | 403,000 |
| Income tax | 4,000 | 27,000 | 48,000 | -34,000 |
| Net income | 44,000 | 130,000 | 212,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,977,000 | 4,064,000 | 4,206,000 | 4,422,000 |
| Total capital | 4,313,000 | 4,417,000 | 4,577,000 | 4,808,000 |
| Risk-weighted assets | 36,357,000 | 38,151,000 | 39,127,000 | 43,059,000 |
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