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 | 103,323,000 | 110,119,000 | 112,368,000 | 112,019,000 |
| Total loans | 72,771,000 | 78,416,000 | 81,310,000 | 84,664,000 |
| Allowance for loan losses | 465,000 | 505,000 | 402,000 | 473,000 |
| Securities available for sale | 1,225,000 | 721,000 | 217,000 | 215,000 |
| Securities held to maturity | 8,625,000 | 6,138,000 | 6,765,000 | 7,763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,801,000 | 99,390,000 | 101,265,000 | 100,840,000 |
| Interest-bearing deposits | 79,431,000 | 85,207,000 | 85,217,000 | 85,051,000 |
| Noninterest-bearing deposits | 13,370,000 | 14,183,000 | 16,048,000 | 15,789,000 |
| Equity capital | 6,974,000 | 7,186,000 | 7,639,000 | 7,774,000 |
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 | 1,538,000 | 3,156,000 | 4,779,000 | 6,441,000 |
| Interest expense | 531,000 | 1,063,000 | 1,589,000 | 2,081,000 |
| Net interest income | 1,007,000 | 2,093,000 | 3,190,000 | 4,360,000 |
| Noninterest income | 289,000 | 600,000 | 944,000 | 1,256,000 |
| Noninterest expense | 943,000 | 1,991,000 | 3,050,000 | 4,233,000 |
| Provision for loan losses | 85,000 | 155,000 | 205,000 | 285,000 |
| Pretax income | 268,000 | 547,000 | 879,000 | 1,098,000 |
| Income tax | 101,000 | 205,000 | 330,000 | 412,000 |
| Net income | 167,000 | 342,000 | 549,000 | 686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,950,000 | 7,165,000 | 7,622,000 | 7,759,000 |
| Total capital | 7,415,000 | 7,670,000 | 8,024,000 | 8,232,000 |
| Risk-weighted assets | 69,655,000 | 75,362,000 | 78,207,000 | 82,056,000 |