Call reports 2003
BANK OF COMMERCE, THE — 2003
What BANK OF COMMERCE, THE 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 | 117,267,000 | 120,364,000 | 134,547,000 | 146,058,000 |
| Total loans | 97,373,000 | 102,240,000 | 111,832,000 | 122,696,000 |
| Allowance for loan losses | 1,126,000 | 1,252,000 | 1,368,000 | 1,508,000 |
| Securities available for sale | 16,365,000 | 15,070,000 | 15,218,000 | 19,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,411,000 | 107,641,000 | 117,711,000 | 129,057,000 |
| Interest-bearing deposits | 98,771,000 | 101,281,000 | 110,708,000 | 118,624,000 |
| Noninterest-bearing deposits | 5,640,000 | 6,360,000 | 7,003,000 | 10,433,000 |
| Equity capital | 12,337,000 | 12,482,000 | 12,550,000 | 12,805,000 |
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 | 1,606,000 | 3,329,000 | 5,103,000 | 7,095,000 |
| Interest expense | 609,000 | 1,223,000 | 1,821,000 | 2,491,000 |
| Net interest income | 997,000 | 2,106,000 | 3,282,000 | 4,604,000 |
| Noninterest income | 83,000 | 116,000 | 153,000 | 199,000 |
| Noninterest expense | 736,000 | 1,495,000 | 2,272,000 | 3,087,000 |
| Provision for loan losses | 205,000 | 331,000 | 447,000 | 587,000 |
| Pretax income | 139,000 | 396,000 | 716,000 | 1,129,000 |
| Income tax | 55,000 | 154,000 | 278,000 | 435,000 |
| Net income | 84,000 | 242,000 | 438,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,168,000 | 12,327,000 | 12,523,000 | 12,779,000 |
| Total capital | 13,294,000 | 13,579,000 | 13,891,000 | 14,287,000 |
| Risk-weighted assets | 97,122,000 | 103,291,000 | 109,642,000 | 122,445,000 |
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