Call reports 2002
BANK OF COMMERCE — 2002
What BANK OF COMMERCE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 114,558,000 | 116,445,000 | 110,992,000 | 114,014,000 |
| Total loans | 53,861,000 | 55,893,000 | 54,499,000 | 54,978,000 |
| Allowance for loan losses | 508,000 | 523,000 | 534,000 | 535,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 49,800,000 | 47,169,000 | 45,991,000 | 42,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,367,000 | 103,035,000 | 97,304,000 | 100,174,000 |
| Interest-bearing deposits | 89,185,000 | 90,975,000 | 84,134,000 | 86,669,000 |
| Noninterest-bearing deposits | 12,182,000 | 12,060,000 | 13,170,000 | 13,505,000 |
| Equity capital | 6,856,000 | 6,961,000 | 7,211,000 | 7,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,663,000 | 3,318,000 | 4,948,000 | 6,499,000 |
| Interest expense | 730,000 | 1,407,000 | 2,041,000 | 2,631,000 |
| Net interest income | 933,000 | 1,911,000 | 2,907,000 | 3,868,000 |
| Noninterest income | 120,000 | 226,000 | 339,000 | 465,000 |
| Noninterest expense | 658,000 | 1,291,000 | 1,964,000 | 2,639,000 |
| Provision for loan losses | 0 | 15,000 | 25,000 | 25,000 |
| Pretax income | 395,000 | 831,000 | 1,257,000 | 1,669,000 |
| Income tax | 21,000 | 44,000 | 68,000 | 84,000 |
| Net income | 374,000 | 787,000 | 1,189,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,856,000 | 6,961,000 | 7,211,000 | 7,607,000 |
| Total capital | 7,364,000 | 7,484,000 | 7,745,000 | 8,142,000 |
| Risk-weighted assets | 60,709,000 | 62,423,000 | 57,520,000 | 58,044,000 |