Call reports 2004
FIRST COMMERCIAL BANK — 2004
What FIRST COMMERCIAL BANK 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 | 1,547,966,000 | 1,636,237,000 | 1,698,149,000 | 1,677,853,000 |
| Total loans | 1,309,691,000 | 1,406,199,000 | 1,446,844,000 | 1,452,418,000 |
| Allowance for loan losses | 16,229,000 | 16,469,000 | 16,786,000 | 18,279,000 |
| Securities available for sale | 157,924,000 | 156,697,000 | 155,693,000 | 148,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,043,799,000 | 1,051,554,000 | 1,077,683,000 | 1,186,192,000 |
| Interest-bearing deposits | 774,168,000 | 769,594,000 | 807,205,000 | 898,815,000 |
| Noninterest-bearing deposits | 269,631,000 | 281,960,000 | 270,478,000 | 287,377,000 |
| Equity capital | 166,710,000 | 160,569,000 | 166,017,000 | 168,225,000 |
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 | 17,337,000 | 35,833,000 | 55,812,000 | 77,333,000 |
| Interest expense | 3,698,000 | 7,467,000 | 11,821,000 | 17,076,000 |
| Net interest income | 13,639,000 | 28,366,000 | 43,991,000 | 60,257,000 |
| Noninterest income | 8,740,000 | 16,152,000 | 25,498,000 | 34,407,000 |
| Noninterest expense | 11,777,000 | 23,995,000 | 36,438,000 | 49,222,000 |
| Provision for loan losses | 823,000 | 1,799,000 | 3,702,000 | 5,453,000 |
| Pretax income | 9,779,000 | 18,724,000 | 29,349,000 | 39,989,000 |
| Income tax | 3,562,000 | 6,772,000 | 10,724,000 | 14,390,000 |
| Net income | 6,217,000 | 11,952,000 | 18,625,000 | 25,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,737,000 | 161,259,000 | 164,897,000 | 167,843,000 |
| Total capital | 180,966,000 | 177,728,000 | 181,683,000 | 186,122,000 |
| Risk-weighted assets | 1,575,691,000 | 1,677,329,000 | 1,735,746,000 | 1,748,809,000 |