Call reports 2003
BANK OF COMMERCE AND TRUST COMPANY, THE — 2003
What BANK OF COMMERCE AND TRUST COMPANY, THE 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 | 45,672,000 | 45,161,000 | 43,497,000 | 42,778,000 |
| Total loans | 28,428,000 | 28,197,000 | 27,090,000 | 26,341,000 |
| Allowance for loan losses | 297,000 | 295,000 | 286,000 | 285,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,971,000 | 7,535,000 | 8,795,000 | 8,712,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,181,000 | 40,978,000 | 40,171,000 | 39,479,000 |
| Interest-bearing deposits | 38,501,000 | 36,929,000 | 36,639,000 | 36,076,000 |
| Noninterest-bearing deposits | 3,680,000 | 4,049,000 | 3,531,000 | 3,403,000 |
| Equity capital | 2,829,000 | 3,000,000 | 3,151,000 | 3,162,000 |
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 | 664,000 | 1,331,000 | 1,948,000 | 2,552,000 |
| Interest expense | 286,000 | 562,000 | 806,000 | 1,028,000 |
| Net interest income | 378,000 | 769,000 | 1,142,000 | 1,524,000 |
| Noninterest income | 56,000 | 129,000 | 197,000 | 255,000 |
| Noninterest expense | 294,000 | 585,000 | 869,000 | 1,135,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 140,000 | 313,000 | 471,000 | 645,000 |
| Income tax | 6,000 | 12,000 | 19,000 | 26,000 |
| Net income | 134,000 | 301,000 | 452,000 | 619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,829,000 | 3,000,000 | 3,151,000 | 3,162,000 |
| Total capital | 3,126,000 | 3,295,000 | 3,437,000 | 3,447,000 |
| Risk-weighted assets | 26,772,000 | 26,968,000 | 25,334,000 | 25,356,000 |