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 | 60,230,000 | 59,330,000 | 61,283,000 | 63,584,000 |
| Total loans | 42,852,000 | 41,199,000 | 42,715,000 | 43,984,000 |
| Allowance for loan losses | 309,000 | 374,000 | 419,000 | 351,000 |
| Securities available for sale | 3,885,000 | 5,715,000 | 5,897,000 | 6,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,234,000 | 54,869,000 | 56,728,000 | 58,840,000 |
| Interest-bearing deposits | 42,905,000 | 42,794,000 | 44,367,000 | 44,862,000 |
| Noninterest-bearing deposits | 13,329,000 | 12,075,000 | 12,361,000 | 13,978,000 |
| Equity capital | 3,815,000 | 4,249,000 | 4,354,000 | 4,512,000 |
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 | 949,000 | 1,886,000 | 2,808,000 | 3,688,000 |
| Interest expense | 329,000 | 635,000 | 915,000 | 1,177,000 |
| Net interest income | 620,000 | 1,251,000 | 1,893,000 | 2,511,000 |
| Noninterest income | 334,000 | 732,000 | 1,170,000 | 1,660,000 |
| Noninterest expense | 694,000 | 1,410,000 | 2,132,000 | 2,905,000 |
| Provision for loan losses | 25,000 | 101,000 | 304,000 | 357,000 |
| Pretax income | 235,000 | 472,000 | 627,000 | 909,000 |
| Income tax | 89,000 | 178,000 | 236,000 | 343,000 |
| Net income | 146,000 | 294,000 | 391,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,835,000 | 4,208,000 | 4,284,000 | 4,440,000 |
| Total capital | 4,144,000 | 4,582,000 | 4,703,000 | 4,791,000 |
| Risk-weighted assets | 39,943,000 | 39,606,000 | 42,026,000 | 43,762,000 |