Call reports 2002
BANK OF COMMERCE AND TRUST COMPANY, THE — 2002
What BANK OF COMMERCE AND TRUST COMPANY, THE 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 | 43,559,000 | 43,999,000 | 43,880,000 | 44,044,000 |
| Total loans | 30,284,000 | 29,783,000 | 28,784,000 | 28,433,000 |
| Allowance for loan losses | 327,000 | 282,000 | 292,000 | 310,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,947,000 | 8,902,000 | 8,397,000 | 8,561,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,563,000 | 39,010,000 | 39,798,000 | 40,685,000 |
| Interest-bearing deposits | 35,805,000 | 35,420,000 | 36,093,000 | 36,920,000 |
| Noninterest-bearing deposits | 3,758,000 | 3,590,000 | 3,705,000 | 3,765,000 |
| Equity capital | 2,938,000 | 2,960,000 | 3,055,000 | 2,843,000 |
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 | 693,000 | 1,416,000 | 2,121,000 | 2,811,000 |
| Interest expense | 356,000 | 700,000 | 1,022,000 | 1,326,000 |
| Net interest income | 337,000 | 716,000 | 1,099,000 | 1,485,000 |
| Noninterest income | 54,000 | 126,000 | 187,000 | 248,000 |
| Noninterest expense | 286,000 | 552,000 | 846,000 | 1,125,000 |
| Provision for loan losses | 0 | 0 | 0 | 125,000 |
| Pretax income | 105,000 | 290,000 | 441,000 | 484,000 |
| Income tax | 4,000 | 11,000 | 17,000 | 22,000 |
| Net income | 101,000 | 279,000 | 424,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,938,000 | 2,960,000 | 3,055,000 | 2,843,000 |
| Total capital | 3,265,000 | 3,242,000 | 3,347,000 | 3,153,000 |
| Risk-weighted assets | 26,846,000 | 26,731,000 | 26,329,000 | 26,178,000 |