Call reports 2003
COMMERCIAL BANK OF TEXAS, N.A. — 2003
What COMMERCIAL BANK OF TEXAS, N.A. 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 | 294,861,000 | 298,105,000 | 290,355,000 | 284,720,000 |
| Total loans | 163,421,000 | 152,835,000 | 165,868,000 | 161,150,000 |
| Allowance for loan losses | 1,751,000 | 1,790,000 | 1,836,000 | 1,783,000 |
| Securities available for sale | 74,386,000 | 72,089,000 | 70,797,000 | 75,430,000 |
| Securities held to maturity | 1,948,000 | 1,948,000 | 2,824,000 | 3,110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,058,000 | 261,973,000 | 254,752,000 | 248,721,000 |
| Interest-bearing deposits | 215,899,000 | 214,930,000 | 207,108,000 | 204,335,000 |
| Noninterest-bearing deposits | 43,159,000 | 47,043,000 | 47,644,000 | 44,386,000 |
| Equity capital | 27,483,000 | 27,907,000 | 27,848,000 | 28,299,000 |
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 | 3,558,000 | 6,998,000 | 10,319,000 | 13,570,000 |
| Interest expense | 1,282,000 | 2,508,000 | 3,571,000 | 4,549,000 |
| Net interest income | 2,276,000 | 4,490,000 | 6,748,000 | 9,021,000 |
| Noninterest income | 1,341,000 | 2,680,000 | 4,228,000 | 5,718,000 |
| Noninterest expense | 2,490,000 | 4,988,000 | 7,616,000 | 10,261,000 |
| Provision for loan losses | 200,000 | 362,000 | 562,000 | 707,000 |
| Pretax income | 927,000 | 1,820,000 | 3,041,000 | 4,034,000 |
| Income tax | 251,000 | 548,000 | 956,000 | 1,245,000 |
| Net income | 676,000 | 1,272,000 | 2,085,000 | 2,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,038,000 | 22,500,000 | 23,183,000 | 23,756,000 |
| Total capital | 23,690,000 | 24,123,000 | 24,824,000 | 25,368,000 |
| Risk-weighted assets | 132,027,000 | 129,676,000 | 131,048,000 | 128,757,000 |