Call reports 2003
FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION — 2003
What FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION 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 | 95,920,000 | 102,888,000 | 100,909,000 | 104,247,000 |
| Total loans | 76,712,000 | 73,723,000 | 71,584,000 | 66,929,000 |
| Allowance for loan losses | 1,205,000 | 1,191,000 | 1,003,000 | 1,068,000 |
| Securities available for sale | 5,801,000 | 8,047,000 | 11,810,000 | 11,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,824,000 | 93,617,000 | 91,897,000 | 95,201,000 |
| Interest-bearing deposits | 66,252,000 | 70,393,000 | 70,287,000 | 73,452,000 |
| Noninterest-bearing deposits | 20,573,000 | 23,224,000 | 21,610,000 | 21,749,000 |
| Equity capital | 8,738,000 | 8,920,000 | 8,640,000 | 8,701,000 |
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 | 1,410,000 | 2,934,000 | 4,382,000 | 5,764,000 |
| Interest expense | 234,000 | 473,000 | 703,000 | 923,000 |
| Net interest income | 1,176,000 | 2,461,000 | 3,679,000 | 4,841,000 |
| Noninterest income | 405,000 | 855,000 | 1,385,000 | 1,895,000 |
| Noninterest expense | 1,408,000 | 2,792,000 | 4,138,000 | 5,687,000 |
| Provision for loan losses | 280,000 | 457,000 | 978,000 | 1,068,000 |
| Pretax income | -103,000 | 70,000 | -49,000 | -17,000 |
| Income tax | 0 | 0 | 0 | -23,000 |
| Net income | -103,000 | 70,000 | -49,000 | 6,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,590,000 | 8,763,000 | 8,645,000 | 8,699,000 |
| Total capital | 9,534,000 | 9,733,000 | 9,578,000 | 9,598,000 |
| Risk-weighted assets | 75,281,000 | 77,346,000 | 74,549,000 | 71,739,000 |
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