Call reports 2004
FIRST COMMERCIAL BANK (U.S.A) — 2004
What FIRST COMMERCIAL BANK (U.S.A) 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 | 292,670,000 | 300,174,000 | 302,021,000 | 302,659,000 |
| Total loans | 215,661,000 | 218,322,000 | 224,052,000 | 215,891,000 |
| Allowance for loan losses | 2,466,000 | 2,664,000 | 2,824,000 | 2,974,000 |
| Securities available for sale | 59,060,000 | 57,764,000 | 53,115,000 | 73,460,000 |
| Securities held to maturity | 5,220,000 | 4,372,000 | 6,990,000 | 6,629,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,775,000 | 265,352,000 | 266,165,000 | 266,425,000 |
| Interest-bearing deposits | 221,148,000 | 235,763,000 | 239,688,000 | 240,213,000 |
| Noninterest-bearing deposits | 26,627,000 | 29,589,000 | 26,477,000 | 26,212,000 |
| Equity capital | 33,461,000 | 33,566,000 | 34,563,000 | 35,351,000 |
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 | 3,185,000 | 6,367,000 | 9,895,000 | 13,718,000 |
| Interest expense | 754,000 | 1,538,000 | 2,453,000 | 3,478,000 |
| Net interest income | 2,431,000 | 4,829,000 | 7,442,000 | 10,240,000 |
| Noninterest income | 157,000 | 363,000 | 535,000 | 680,000 |
| Noninterest expense | 1,482,000 | 2,910,000 | 4,431,000 | 6,086,000 |
| Provision for loan losses | 114,000 | 312,000 | 472,000 | 622,000 |
| Pretax income | 999,000 | 1,977,000 | 3,102,000 | 4,240,000 |
| Income tax | 460,000 | 823,000 | 1,354,000 | 1,593,000 |
| Net income | 539,000 | 1,154,000 | 1,748,000 | 2,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,465,000 | 34,080,000 | 34,674,000 | 35,576,000 |
| Total capital | 35,931,000 | 36,744,000 | 37,498,000 | 38,550,000 |
| Risk-weighted assets | 241,776,000 | 253,957,000 | 255,830,000 | 251,147,000 |