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 | 75,332,000 | 75,617,000 | 75,869,000 | 76,460,000 |
| Total loans | 41,261,000 | 42,134,000 | 42,168,000 | 41,328,000 |
| Allowance for loan losses | 631,000 | 568,000 | 569,000 | 527,000 |
| Securities available for sale | 22,106,000 | 22,784,000 | 21,358,000 | 20,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,010,000 | 64,386,000 | 64,716,000 | 65,513,000 |
| Interest-bearing deposits | 56,759,000 | 57,191,000 | 56,650,000 | 58,252,000 |
| Noninterest-bearing deposits | 7,251,000 | 7,195,000 | 8,066,000 | 7,261,000 |
| Equity capital | 11,178,000 | 11,107,000 | 10,802,000 | 10,545,000 |
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 | 980,000 | 1,952,000 | 2,928,000 | 3,846,000 |
| Interest expense | 277,000 | 550,000 | 816,000 | 1,074,000 |
| Net interest income | 703,000 | 1,402,000 | 2,112,000 | 2,772,000 |
| Noninterest income | 114,000 | 183,000 | 297,000 | 420,000 |
| Noninterest expense | 534,000 | 1,080,000 | 1,603,000 | 2,204,000 |
| Provision for loan losses | 0 | 41,000 | 66,000 | 146,000 |
| Pretax income | 283,000 | 464,000 | 740,000 | 842,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 283,000 | 464,000 | 740,000 | 842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,908,000 | 9,655,000 | 9,751,000 | 9,578,000 |
| Total capital | 10,509,000 | 10,223,000 | 10,320,000 | 10,105,000 |
| Risk-weighted assets | 48,019,000 | 48,502,000 | 48,965,000 | 48,582,000 |
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