Call reports 2004
FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION — 2004
What FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 76,158,000 | 76,194,000 | 75,739,000 | 74,709,000 |
| Total loans | 55,135,000 | 52,456,000 | 52,896,000 | 54,361,000 |
| Allowance for loan losses | 1,559,000 | 1,553,000 | 1,383,000 | 1,428,000 |
| Securities available for sale | 12,010,000 | 12,758,000 | 13,849,000 | 12,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,851,000 | 63,953,000 | 63,421,000 | 62,865,000 |
| Interest-bearing deposits | 48,054,000 | 50,270,000 | 48,379,000 | 46,331,000 |
| Noninterest-bearing deposits | 14,797,000 | 13,683,000 | 15,042,000 | 16,534,000 |
| Equity capital | 11,333,000 | 10,494,000 | 10,545,000 | 10,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,270,000 | 2,296,000 | 3,420,000 | 4,533,000 |
| Interest expense | 200,000 | 378,000 | 550,000 | 723,000 |
| Net interest income | 1,070,000 | 1,918,000 | 2,870,000 | 3,810,000 |
| Noninterest income | 5,068,000 | 4,731,000 | 4,968,000 | 5,242,000 |
| Noninterest expense | 1,630,000 | 2,838,000 | 4,075,000 | 5,434,000 |
| Provision for loan losses | 548,000 | 548,000 | 548,000 | 842,000 |
| Pretax income | 3,960,000 | 3,263,000 | 3,182,000 | 2,734,000 |
| Income tax | 1,352,000 | 1,352,000 | 1,345,000 | 922,000 |
| Net income | 2,608,000 | 1,911,000 | 1,837,000 | 1,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,308,000 | 10,610,000 | 10,536,000 | 10,511,000 |
| Total capital | 12,031,000 | 11,292,000 | 11,228,000 | 11,235,000 |
| Risk-weighted assets | 57,044,000 | 53,713,000 | 54,636,000 | 57,231,000 |
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