Call reports 2003
FIRST NATIONAL BANK OF COMMERCE — 2003
What FIRST NATIONAL BANK OF COMMERCE 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 | 107,937,000 | 108,128,000 | 114,117,000 | 121,725,000 |
| Total loans | 58,596,000 | 65,903,000 | 69,753,000 | 66,282,000 |
| Allowance for loan losses | 610,000 | 695,000 | 779,000 | 744,000 |
| Securities available for sale | 37,335,000 | 34,850,000 | 32,041,000 | 42,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,218,000 | 93,933,000 | 100,919,000 | 108,208,000 |
| Interest-bearing deposits | 71,901,000 | 75,415,000 | 83,079,000 | 85,741,000 |
| Noninterest-bearing deposits | 23,317,000 | 18,518,000 | 17,840,000 | 22,467,000 |
| Equity capital | 12,451,000 | 12,879,000 | 12,924,000 | 12,571,000 |
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 | 1,246,000 | 2,600,000 | 4,026,000 | 5,414,000 |
| Interest expense | 393,000 | 783,000 | 1,163,000 | 1,532,000 |
| Net interest income | 853,000 | 1,817,000 | 2,863,000 | 3,882,000 |
| Noninterest income | 203,000 | 435,000 | 784,000 | 1,160,000 |
| Noninterest expense | 683,000 | 1,394,000 | 2,144,000 | 3,090,000 |
| Provision for loan losses | 89,000 | 185,000 | 303,000 | 394,000 |
| Pretax income | 411,000 | 801,000 | 1,294,000 | 1,641,000 |
| Income tax | 83,000 | 171,000 | 294,000 | 402,000 |
| Net income | 328,000 | 630,000 | 1,000,000 | 1,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,269,000 | 12,571,000 | 12,940,000 | 12,480,000 |
| Total capital | 12,879,000 | 13,266,000 | 13,719,000 | 13,224,000 |
| Risk-weighted assets | 68,156,000 | 72,295,000 | 75,579,000 | 74,380,000 |