Call reports 2002
FIRST NATIONAL BANK OF COMMERCE — 2002
What FIRST NATIONAL BANK OF COMMERCE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 92,242,000 | 90,162,000 | 92,967,000 | 99,996,000 |
| Total loans | 46,796,000 | 48,643,000 | 54,280,000 | 54,262,000 |
| Allowance for loan losses | 404,000 | 327,000 | 484,000 | 548,000 |
| Securities available for sale | 35,840,000 | 34,434,000 | 28,181,000 | 34,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,095,000 | 77,499,000 | 79,990,000 | 86,694,000 |
| Interest-bearing deposits | 63,027,000 | 62,280,000 | 64,739,000 | 68,955,000 |
| Noninterest-bearing deposits | 17,068,000 | 15,219,000 | 15,251,000 | 17,739,000 |
| Equity capital | 11,644,000 | 12,108,000 | 12,417,000 | 12,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,284,000 | 2,545,000 | 3,790,000 | 5,019,000 |
| Interest expense | 422,000 | 818,000 | 1,213,000 | 1,628,000 |
| Net interest income | 862,000 | 1,727,000 | 2,577,000 | 3,391,000 |
| Noninterest income | 124,000 | 304,000 | 483,000 | 925,000 |
| Noninterest expense | 642,000 | 1,309,000 | 1,995,000 | 2,695,000 |
| Provision for loan losses | 44,000 | 255,000 | 419,000 | 661,000 |
| Pretax income | 290,000 | 473,000 | 724,000 | 1,038,000 |
| Income tax | 86,000 | 150,000 | 194,000 | 188,000 |
| Net income | 204,000 | 323,000 | 530,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,737,000 | 11,856,000 | 12,063,000 | 11,941,000 |
| Total capital | 12,141,000 | 12,183,000 | 12,547,000 | 12,489,000 |
| Risk-weighted assets | 55,586,000 | 57,555,000 | 60,582,000 | 62,601,000 |