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 | 118,756,000 | 117,671,000 | 115,549,000 | 120,297,000 |
| Total loans | 53,619,000 | 55,687,000 | 56,547,000 | 58,975,000 |
| Allowance for loan losses | 535,000 | 535,000 | 535,000 | 550,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 40,689,000 | 40,815,000 | 38,282,000 | 36,107,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,660,000 | 103,999,000 | 101,914,000 | 105,980,000 |
| Interest-bearing deposits | 91,730,000 | 91,331,000 | 86,794,000 | 91,245,000 |
| Noninterest-bearing deposits | 12,930,000 | 12,668,000 | 15,120,000 | 14,735,000 |
| Equity capital | 7,866,000 | 7,942,000 | 8,190,000 | 8,596,000 |
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 | 1,464,000 | 2,906,000 | 4,351,000 | 5,808,000 |
| Interest expense | 552,000 | 1,054,000 | 1,525,000 | 1,969,000 |
| Net interest income | 912,000 | 1,852,000 | 2,826,000 | 3,839,000 |
| Noninterest income | 170,000 | 298,000 | 430,000 | 581,000 |
| Noninterest expense | 662,000 | 1,327,000 | 2,012,000 | 2,734,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 420,000 | 823,000 | 1,244,000 | 1,671,000 |
| Income tax | 15,000 | 32,000 | 51,000 | 72,000 |
| Net income | 405,000 | 791,000 | 1,193,000 | 1,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,866,000 | 7,942,000 | 8,190,000 | 8,596,000 |
| Total capital | 8,401,000 | 8,477,000 | 8,725,000 | 9,146,000 |
| Risk-weighted assets | 58,174,000 | 59,409,000 | 59,870,000 | 62,216,000 |
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