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 | 63,581,000 | 66,073,000 | 63,982,000 | 65,192,000 |
| Total loans | 47,615,000 | 47,144,000 | 47,232,000 | 51,823,000 |
| Allowance for loan losses | 360,000 | 358,000 | 356,000 | 354,000 |
| Securities available for sale | 4,169,000 | 3,646,000 | 4,615,000 | 3,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,671,000 | 60,990,000 | 58,896,000 | 60,032,000 |
| Interest-bearing deposits | 44,734,000 | 45,289,000 | 45,142,000 | 45,497,000 |
| Noninterest-bearing deposits | 13,937,000 | 15,701,000 | 13,754,000 | 14,535,000 |
| Equity capital | 4,666,000 | 4,825,000 | 4,927,000 | 5,020,000 |
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 | 861,000 | 1,729,000 | 2,556,000 | 3,434,000 |
| Interest expense | 228,000 | 436,000 | 631,000 | 816,000 |
| Net interest income | 633,000 | 1,293,000 | 1,925,000 | 2,618,000 |
| Noninterest income | 436,000 | 936,000 | 1,426,000 | 1,903,000 |
| Noninterest expense | 756,000 | 1,586,000 | 2,425,000 | 3,328,000 |
| Provision for loan losses | 26,000 | 52,000 | 118,000 | 175,000 |
| Pretax income | 287,000 | 591,000 | 808,000 | 1,018,000 |
| Income tax | 108,000 | 225,000 | 304,000 | 383,000 |
| Net income | 179,000 | 366,000 | 504,000 | 635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,599,000 | 4,766,000 | 4,883,000 | 4,982,000 |
| Total capital | 4,959,000 | 5,124,000 | 5,239,000 | 5,336,000 |
| Risk-weighted assets | 46,326,000 | 45,507,000 | 45,666,000 | 50,733,000 |