Call reports 2003
FIRST COMMERCE BANK — 2003
What FIRST COMMERCE BANK 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 | 41,299,000 | 60,188,000 | 69,191,000 | 78,528,000 |
| Total loans | 32,861,000 | 43,167,000 | 54,018,000 | 62,383,000 |
| Allowance for loan losses | 411,000 | 539,000 | 684,000 | 785,000 |
| Securities available for sale | 2,962,000 | 11,126,000 | 8,723,000 | 10,369,000 |
| Securities held to maturity | 500,000 | 250,000 | 250,000 | 994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,620,000 | 48,040,000 | 57,455,000 | 66,605,000 |
| Interest-bearing deposits | 25,816,000 | 42,226,000 | 50,331,000 | 58,536,000 |
| Noninterest-bearing deposits | 3,804,000 | 5,814,000 | 7,124,000 | 8,069,000 |
| Equity capital | 11,580,000 | 11,616,000 | 11,517,000 | 11,654,000 |
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 | 402,000 | 1,063,000 | 1,890,000 | 2,831,000 |
| Interest expense | 91,000 | 284,000 | 505,000 | 788,000 |
| Net interest income | 311,000 | 778,000 | 1,385,000 | 2,043,000 |
| Noninterest income | 20,000 | 55,000 | 86,000 | 125,000 |
| Noninterest expense | 307,000 | 670,000 | 1,060,000 | 1,550,000 |
| Provision for loan losses | 264,000 | 392,000 | 545,000 | 648,000 |
| Pretax income | -241,000 | -229,000 | -134,000 | -30,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -241,000 | -228,000 | -134,000 | -30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,580,000 | 11,596,000 | 11,690,000 | 11,794,000 |
| Total capital | 11,953,000 | 12,103,000 | 12,310,000 | 12,524,000 |
| Risk-weighted assets | 29,878,000 | 40,619,000 | 49,567,000 | 58,366,000 |