Call reports 2005
FIRST COMMERCE BANK — 2005
What FIRST COMMERCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 122,364,000 | 130,730,000 | 138,410,000 | 146,718,000 |
| Total loans | 81,799,000 | 85,842,000 | 92,096,000 | 99,426,000 |
| Allowance for loan losses | 1,036,000 | 1,076,000 | 1,165,000 | 1,197,000 |
| Securities available for sale | 30,823,000 | 30,828,000 | 34,392,000 | 33,790,000 |
| Securities held to maturity | 2,677,000 | 1,650,000 | 2,622,000 | 2,596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,131,000 | 116,959,000 | 124,102,000 | 132,215,000 |
| Interest-bearing deposits | 98,253,000 | 104,653,000 | 112,310,000 | 117,191,000 |
| Noninterest-bearing deposits | 10,878,000 | 12,306,000 | 11,793,000 | 15,024,000 |
| Equity capital | 12,644,000 | 12,971,000 | 13,218,000 | 13,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,558,000 | 3,279,000 | 5,213,000 | 7,322,000 |
| Interest expense | 569,000 | 1,258,000 | 2,069,000 | 2,959,000 |
| Net interest income | 989,000 | 2,021,000 | 3,144,000 | 4,363,000 |
| Noninterest income | 110,000 | 247,000 | 360,000 | 521,000 |
| Noninterest expense | 687,000 | 1,456,000 | 2,312,000 | 3,205,000 |
| Provision for loan losses | 37,000 | 82,000 | 175,000 | 215,000 |
| Pretax income | 375,000 | 730,000 | 1,017,000 | 1,464,000 |
| Income tax | 144,000 | 274,000 | 387,000 | 499,000 |
| Net income | 231,000 | 456,000 | 630,000 | 965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,943,000 | 13,169,000 | 13,470,000 | 13,600,000 |
| Total capital | 13,966,000 | 14,237,000 | 14,622,000 | 14,797,000 |
| Risk-weighted assets | 81,841,000 | 86,642,000 | 92,166,000 | 101,057,000 |