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 | 140,546,000 | 151,057,000 | 156,717,000 | 159,275,000 |
| Total loans | 51,613,000 | 55,620,000 | 56,884,000 | 57,910,000 |
| Allowance for loan losses | 1,396,000 | 1,380,000 | 1,339,000 | 1,313,000 |
| Securities available for sale | 59,313,000 | 67,205,000 | 71,947,000 | 70,071,000 |
| Securities held to maturity | 18,425,000 | 17,349,000 | 16,696,000 | 18,583,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,886,000 | 104,179,000 | 106,724,000 | 115,315,000 |
| Interest-bearing deposits | 90,364,000 | 94,672,000 | 96,016,000 | 96,761,000 |
| Noninterest-bearing deposits | 10,522,000 | 9,507,000 | 10,708,000 | 18,554,000 |
| Equity capital | 17,292,000 | 16,910,000 | 16,892,000 | 16,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,876,000 | 3,733,000 | 5,504,000 | 7,448,000 |
| Interest expense | 747,000 | 1,502,000 | 2,247,000 | 2,965,000 |
| Net interest income | 1,129,000 | 2,231,000 | 3,257,000 | 4,483,000 |
| Noninterest income | 233,000 | 405,000 | 560,000 | 742,000 |
| Noninterest expense | 638,000 | 1,297,000 | 1,965,000 | 2,806,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 726,000 | 1,403,000 | 1,947,000 | 2,531,000 |
| Income tax | 142,000 | 274,000 | 360,000 | 502,000 |
| Net income | 584,000 | 1,129,000 | 1,587,000 | 2,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,584,000 | 16,264,000 | 16,707,000 | 16,284,000 |
| Total capital | 17,259,000 | 17,109,000 | 17,575,000 | 17,171,000 |
| Risk-weighted assets | 53,259,000 | 67,053,000 | 68,958,000 | 70,519,000 |