Call reports 2002
BANK OF COMMERCE & TRUST COMPANY — 2002
What BANK OF COMMERCE & TRUST COMPANY 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 | 236,175,000 | 237,622,000 | 241,715,000 | 245,777,000 |
| Total loans | 78,398,000 | 79,849,000 | 82,492,000 | 77,207,000 |
| Allowance for loan losses | 1,361,000 | 1,654,000 | 1,839,000 | 1,870,000 |
| Securities available for sale | 127,181,000 | 134,298,000 | 132,954,000 | 147,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,693,000 | 197,638,000 | 202,214,000 | 207,078,000 |
| Interest-bearing deposits | 188,627,000 | 187,706,000 | 190,997,000 | 194,793,000 |
| Noninterest-bearing deposits | 11,066,000 | 9,932,000 | 11,217,000 | 12,285,000 |
| Equity capital | 30,688,000 | 32,827,000 | 33,593,000 | 32,870,000 |
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 | 3,306,000 | 6,562,000 | 9,822,000 | 12,857,000 |
| Interest expense | 1,334,000 | 2,573,000 | 3,802,000 | 5,003,000 |
| Net interest income | 1,972,000 | 3,989,000 | 6,020,000 | 7,854,000 |
| Noninterest income | 351,000 | 678,000 | 989,000 | 1,299,000 |
| Noninterest expense | 1,218,000 | 2,509,000 | 3,906,000 | 5,284,000 |
| Provision for loan losses | 300,000 | 600,000 | 825,000 | 900,000 |
| Pretax income | 789,000 | 1,602,000 | 2,507,000 | 3,220,000 |
| Income tax | 155,000 | 428,000 | 671,000 | 848,000 |
| Net income | 634,000 | 1,174,000 | 1,836,000 | 2,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,630,000 | 32,170,000 | 32,831,000 | 31,793,000 |
| Total capital | 32,928,000 | 33,505,000 | 34,230,000 | 33,163,000 |
| Risk-weighted assets | 103,806,000 | 106,518,000 | 111,556,000 | 109,061,000 |