Call reports 2003
COMMUNITY COMMERCE BANK — 2003
What COMMUNITY COMMERCE BANK 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 | 229,519,000 | 234,963,000 | 232,721,000 | 237,701,000 |
| Total loans | 184,111,000 | 186,663,000 | 188,719,000 | 198,768,000 |
| Allowance for loan losses | 3,889,000 | 3,886,000 | 3,887,000 | 3,899,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,336,000 | 165,022,000 | 157,118,000 | 161,667,000 |
| Interest-bearing deposits | 165,654,000 | 160,904,000 | 152,955,000 | 156,903,000 |
| Noninterest-bearing deposits | 3,682,000 | 4,118,000 | 4,163,000 | 4,764,000 |
| Equity capital | 26,581,000 | 26,832,000 | 27,114,000 | 27,715,000 |
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 | 5,476,000 | 10,894,000 | 16,398,000 | 21,834,000 |
| Interest expense | 1,463,000 | 2,917,000 | 4,229,000 | 5,502,000 |
| Net interest income | 4,013,000 | 7,977,000 | 12,169,000 | 16,332,000 |
| Noninterest income | 182,000 | 380,000 | 495,000 | 602,000 |
| Noninterest expense | 2,609,000 | 5,146,000 | 7,799,000 | 10,207,000 |
| Provision for loan losses | -26,000 | -45,000 | -89,000 | -102,000 |
| Pretax income | 1,612,000 | 3,256,000 | 4,954,000 | 6,829,000 |
| Income tax | 630,000 | 1,272,000 | 1,936,000 | 2,459,000 |
| Net income | 982,000 | 1,984,000 | 3,018,000 | 4,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,581,000 | 26,832,000 | 27,114,000 | 27,715,000 |
| Total capital | 28,938,000 | 29,237,000 | 29,575,000 | 30,311,000 |
| Risk-weighted assets | 187,008,000 | 190,936,000 | 195,465,000 | 206,407,000 |