Call reports 2002
AMERICAN BANK OF COMMERCE — 2002
What AMERICAN 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 | 343,117,000 | 354,596,000 | 378,546,000 | 388,667,000 |
| Total loans | 275,933,000 | 278,136,000 | 282,212,000 | 288,566,000 |
| Allowance for loan losses | 3,236,000 | 3,400,000 | 3,444,000 | 3,949,000 |
| Securities available for sale | 37,445,000 | 35,782,000 | 54,207,000 | 64,420,000 |
| Securities held to maturity | 0 | 2,000,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,646,000 | 323,331,000 | 344,909,000 | 347,782,000 |
| Interest-bearing deposits | 236,825,000 | 243,092,000 | 261,658,000 | 264,712,000 |
| Noninterest-bearing deposits | 75,821,000 | 80,239,000 | 83,251,000 | 83,070,000 |
| Equity capital | 21,353,000 | 21,877,000 | 22,871,000 | 23,445,000 |
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 | 5,235,000 | 10,601,000 | 16,082,000 | 21,605,000 |
| Interest expense | 1,656,000 | 3,268,000 | 4,966,000 | 6,609,000 |
| Net interest income | 3,579,000 | 7,333,000 | 11,116,000 | 14,996,000 |
| Noninterest income | 886,000 | 1,850,000 | 3,052,000 | 3,996,000 |
| Noninterest expense | 3,139,000 | 6,271,000 | 9,260,000 | 12,361,000 |
| Provision for loan losses | 2,100,000 | 2,781,000 | 3,078,000 | 3,716,000 |
| Pretax income | -710,000 | 195,000 | 1,894,000 | 3,201,000 |
| Income tax | -234,000 | 85,000 | 646,000 | 1,056,000 |
| Net income | -476,000 | 110,000 | 1,248,000 | 2,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,571,000 | 21,798,000 | 22,576,000 | 23,112,000 |
| Total capital | 24,807,000 | 25,198,000 | 26,020,000 | 26,905,000 |
| Risk-weighted assets | 287,938,000 | 292,526,000 | 305,406,000 | 303,271,000 |