Call reports 2003
AMERICAN BANK OF COMMERCE — 2003
What AMERICAN 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 | 375,886,000 | 389,984,000 | 400,704,000 | 421,796,000 |
| Total loans | 279,053,000 | 282,299,000 | 294,647,000 | 287,932,000 |
| Allowance for loan losses | 4,472,000 | 4,350,000 | 4,181,000 | 4,194,000 |
| Securities available for sale | 55,939,000 | 67,088,000 | 73,929,000 | 100,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,475,000 | 356,472,000 | 366,350,000 | 381,560,000 |
| Interest-bearing deposits | 255,152,000 | 298,019,000 | 312,452,000 | 324,298,000 |
| Noninterest-bearing deposits | 85,323,000 | 58,453,000 | 53,898,000 | 57,262,000 |
| Equity capital | 23,693,000 | 24,658,000 | 24,827,000 | 31,363,000 |
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 | 5,307,000 | 10,491,000 | 16,242,000 | 21,694,000 |
| Interest expense | 1,466,000 | 2,941,000 | 4,418,000 | 5,893,000 |
| Net interest income | 3,841,000 | 7,550,000 | 11,824,000 | 15,801,000 |
| Noninterest income | 992,000 | 1,993,000 | 3,092,000 | 4,235,000 |
| Noninterest expense | 3,215,000 | 6,396,000 | 9,798,000 | 13,142,000 |
| Provision for loan losses | 923,000 | 1,160,000 | 1,385,000 | 1,585,000 |
| Pretax income | 1,111,000 | 2,685,000 | 4,518,000 | 6,094,000 |
| Income tax | 368,000 | 893,000 | 1,510,000 | 2,016,000 |
| Net income | 743,000 | 1,792,000 | 3,008,000 | 4,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,495,000 | 24,185,000 | 25,040,000 | 31,541,000 |
| Total capital | 27,159,000 | 27,959,000 | 29,000,000 | 35,460,000 |
| Risk-weighted assets | 292,314,000 | 301,373,000 | 316,557,000 | 313,284,000 |