Call reports 2003
FIRST COMMERCIAL BANK (U.S.A) — 2003
What FIRST COMMERCIAL BANK (U.S.A) 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 | 255,042,000 | 272,806,000 | 286,004,000 | 288,529,000 |
| Total loans | 141,993,000 | 162,255,000 | 197,247,000 | 214,209,000 |
| Allowance for loan losses | 1,737,000 | 1,842,000 | 2,092,000 | 2,352,000 |
| Securities available for sale | 89,930,000 | 87,191,000 | 71,711,000 | 61,499,000 |
| Securities held to maturity | 14,721,000 | 12,858,000 | 8,731,000 | 7,742,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,694,000 | 238,280,000 | 247,450,000 | 248,050,000 |
| Interest-bearing deposits | 202,384,000 | 215,154,000 | 212,396,000 | 221,143,000 |
| Noninterest-bearing deposits | 19,310,000 | 23,126,000 | 35,054,000 | 26,907,000 |
| Equity capital | 32,278,000 | 32,737,000 | 32,364,000 | 32,799,000 |
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 | 2,521,000 | 5,050,000 | 7,777,000 | 10,765,000 |
| Interest expense | 870,000 | 1,708,000 | 2,522,000 | 3,311,000 |
| Net interest income | 1,651,000 | 3,342,000 | 5,255,000 | 7,454,000 |
| Noninterest income | 133,000 | 264,000 | 406,000 | 554,000 |
| Noninterest expense | 1,488,000 | 2,932,000 | 4,331,000 | 5,772,000 |
| Provision for loan losses | 20,000 | 20,000 | 270,000 | 530,000 |
| Pretax income | 400,000 | 790,000 | 1,172,000 | 1,885,000 |
| Income tax | 174,000 | 322,000 | 584,000 | 785,000 |
| Net income | 226,000 | 468,000 | 588,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,053,000 | 32,294,000 | 32,415,000 | 32,925,000 |
| Total capital | 33,790,000 | 34,136,000 | 34,507,000 | 35,277,000 |
| Risk-weighted assets | 172,790,000 | 193,024,000 | 224,125,000 | 242,209,000 |