Call reports 2003
FIRST COMMERCIAL BANK — 2003
What FIRST COMMERCIAL 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 | 1,660,257,000 | 1,686,768,000 | 1,597,117,000 | 1,519,169,000 |
| Total loans | 1,431,014,000 | 1,400,266,000 | 1,304,041,000 | 1,258,078,000 |
| Allowance for loan losses | 14,458,000 | 15,106,000 | 15,424,000 | 15,681,000 |
| Securities available for sale | 127,011,000 | 134,942,000 | 138,771,000 | 153,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,033,676,000 | 1,092,066,000 | 1,030,991,000 | 1,023,720,000 |
| Interest-bearing deposits | 827,284,000 | 837,708,000 | 777,873,000 | 786,400,000 |
| Noninterest-bearing deposits | 206,392,000 | 254,358,000 | 253,118,000 | 237,320,000 |
| Equity capital | 147,358,000 | 157,427,000 | 162,810,000 | 164,027,000 |
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 | 19,132,000 | 38,975,000 | 58,564,000 | 76,402,000 |
| Interest expense | 5,427,000 | 11,030,000 | 15,784,000 | 19,811,000 |
| Net interest income | 13,705,000 | 27,945,000 | 42,780,000 | 56,591,000 |
| Noninterest income | 14,950,000 | 31,913,000 | 49,291,000 | 57,589,000 |
| Noninterest expense | 13,200,000 | 28,206,000 | 42,970,000 | 56,586,000 |
| Provision for loan losses | 343,000 | 1,291,000 | 2,167,000 | 2,978,000 |
| Pretax income | 15,112,000 | 30,446,000 | 47,019,000 | 54,742,000 |
| Income tax | 5,636,000 | 11,152,000 | 17,451,000 | 20,142,000 |
| Net income | 9,476,000 | 19,294,000 | 29,568,000 | 34,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 144,909,000 | 154,726,000 | 160,959,000 | 162,160,000 |
| Total capital | 159,367,000 | 169,832,000 | 176,383,000 | 177,841,000 |
| Risk-weighted assets | 1,543,333,000 | 1,559,890,000 | 1,533,293,000 | 1,529,960,000 |