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 | 97,209,000 | 96,642,000 | 97,470,000 | 97,089,000 |
| Total loans | 64,980,000 | 68,105,000 | 71,856,000 | 73,010,000 |
| Allowance for loan losses | 529,000 | 554,000 | 538,000 | 424,000 |
| Securities available for sale | 1,564,000 | 1,580,000 | 1,434,000 | 1,231,000 |
| Securities held to maturity | 7,126,000 | 9,714,000 | 10,807,000 | 8,132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,545,000 | 86,330,000 | 87,116,000 | 86,764,000 |
| Interest-bearing deposits | 73,971,000 | 72,419,000 | 74,416,000 | 75,005,000 |
| Noninterest-bearing deposits | 13,574,000 | 13,911,000 | 12,700,000 | 11,759,000 |
| Equity capital | 6,154,000 | 6,450,000 | 6,842,000 | 6,873,000 |
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 | 1,513,000 | 3,119,000 | 4,750,000 | 6,337,000 |
| Interest expense | 652,000 | 1,254,000 | 1,835,000 | 2,406,000 |
| Net interest income | 861,000 | 1,865,000 | 2,915,000 | 3,931,000 |
| Noninterest income | 261,000 | 559,000 | 824,000 | 1,133,000 |
| Noninterest expense | 958,000 | 1,919,000 | 2,906,000 | 3,935,000 |
| Provision for loan losses | 20,000 | 70,000 | 130,000 | 310,000 |
| Pretax income | 144,000 | 435,000 | 721,000 | 837,000 |
| Income tax | 54,000 | 163,000 | 271,000 | 314,000 |
| Net income | 90,000 | 272,000 | 450,000 | 523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,141,000 | 6,423,000 | 6,810,000 | 6,843,000 |
| Total capital | 6,670,000 | 6,977,000 | 7,348,000 | 7,267,000 |
| Risk-weighted assets | 65,286,000 | 68,322,000 | 70,776,000 | 69,126,000 |