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 | 59,666,000 | 59,790,000 | 57,866,000 | 59,626,000 |
| Total loans | 26,454,000 | 28,119,000 | 27,669,000 | 26,932,000 |
| Allowance for loan losses | 307,000 | 337,000 | 340,000 | 339,000 |
| Securities available for sale | 24,578,000 | 23,431,000 | 19,935,000 | 20,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,199,000 | 52,818,000 | 50,648,000 | 52,427,000 |
| Interest-bearing deposits | 45,335,000 | 44,962,000 | 42,554,000 | 43,799,000 |
| Noninterest-bearing deposits | 7,864,000 | 7,856,000 | 8,094,000 | 8,628,000 |
| Equity capital | 6,230,000 | 6,638,000 | 6,841,000 | 6,847,000 |
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 | 892,000 | 1,822,000 | 2,710,000 | 3,538,000 |
| Interest expense | 295,000 | 563,000 | 813,000 | 1,041,000 |
| Net interest income | 597,000 | 1,259,000 | 1,897,000 | 2,497,000 |
| Noninterest income | 105,000 | 229,000 | 343,000 | 478,000 |
| Noninterest expense | 520,000 | 1,029,000 | 1,552,000 | 2,083,000 |
| Provision for loan losses | 1,000 | 29,000 | 33,000 | 35,000 |
| Pretax income | 181,000 | 430,000 | 655,000 | 857,000 |
| Income tax | 52,000 | 128,000 | 200,000 | 262,000 |
| Net income | 129,000 | 302,000 | 455,000 | 595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,381,000 | 6,504,000 | 6,657,000 | 6,687,000 |
| Total capital | 6,688,000 | 6,841,000 | 6,997,000 | 7,026,000 |
| Risk-weighted assets | 35,086,000 | 32,295,000 | 31,637,000 | 32,220,000 |