Call reports 2003
BANK OF COMMERCE & TRUST COMPANY — 2003
What BANK OF COMMERCE & TRUST COMPANY 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 | 261,719,000 | 268,748,000 | 271,947,000 | 278,346,000 |
| Total loans | 76,966,000 | 76,013,000 | 74,108,000 | 69,942,000 |
| Allowance for loan losses | 1,434,000 | 1,454,000 | 1,516,000 | 1,615,000 |
| Securities available for sale | 156,449,000 | 170,540,000 | 170,165,000 | 182,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,027,000 | 227,544,000 | 232,269,000 | 237,927,000 |
| Interest-bearing deposits | 209,646,000 | 212,373,000 | 219,813,000 | 225,048,000 |
| Noninterest-bearing deposits | 12,381,000 | 15,171,000 | 12,456,000 | 12,879,000 |
| Equity capital | 33,159,000 | 33,736,000 | 32,929,000 | 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 | 2,782,000 | 5,684,000 | 8,787,000 | 11,656,000 |
| Interest expense | 1,186,000 | 2,323,000 | 3,379,000 | 4,398,000 |
| Net interest income | 1,596,000 | 3,361,000 | 5,408,000 | 7,258,000 |
| Noninterest income | 318,000 | 642,000 | 1,004,000 | 1,313,000 |
| Noninterest expense | 1,193,000 | 2,444,000 | 3,799,000 | 5,309,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 740,000 | 1,708,000 | 2,675,000 | 3,249,000 |
| Income tax | 148,000 | 424,000 | 701,000 | 845,000 |
| Net income | 592,000 | 1,284,000 | 1,974,000 | 2,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,385,000 | 33,075,000 | 33,767,000 | 32,623,000 |
| Total capital | 33,763,000 | 34,466,000 | 35,165,000 | 33,994,000 |
| Risk-weighted assets | 110,155,000 | 111,225,000 | 111,729,000 | 109,419,000 |