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 | 64,992,000 | 61,093,000 | 61,714,000 | 64,777,000 |
| Total loans | 27,399,000 | 29,040,000 | 29,653,000 | 28,767,000 |
| Allowance for loan losses | 330,000 | 322,000 | 369,000 | 352,000 |
| Securities available for sale | 23,658,000 | 22,554,000 | 19,391,000 | 23,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,809,000 | 53,871,000 | 54,703,000 | 57,925,000 |
| Interest-bearing deposits | 49,154,000 | 46,106,000 | 45,792,000 | 48,630,000 |
| Noninterest-bearing deposits | 8,655,000 | 7,765,000 | 8,911,000 | 9,295,000 |
| Equity capital | 6,858,000 | 6,929,000 | 6,827,000 | 6,691,000 |
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 | 772,000 | 1,538,000 | 2,299,000 | 3,082,000 |
| Interest expense | 231,000 | 448,000 | 632,000 | 792,000 |
| Net interest income | 541,000 | 1,090,000 | 1,667,000 | 2,290,000 |
| Noninterest income | 126,000 | 263,000 | 413,000 | 553,000 |
| Noninterest expense | 535,000 | 1,057,000 | 1,592,000 | 2,126,000 |
| Provision for loan losses | 0 | 7,000 | 46,000 | 326,000 |
| Pretax income | 132,000 | 292,000 | 441,000 | 413,000 |
| Income tax | 30,000 | 87,000 | 133,000 | 125,000 |
| Net income | 102,000 | 205,000 | 308,000 | 288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,789,000 | 6,841,000 | 6,945,000 | 6,815,000 |
| Total capital | 7,119,000 | 7,163,000 | 7,314,000 | 7,167,000 |
| Risk-weighted assets | 34,824,000 | 35,807,000 | 36,785,000 | 36,387,000 |