Call reports 2004
FIRST NATIONAL BANK OF COMMERCE — 2004
What FIRST NATIONAL BANK OF COMMERCE 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 | 133,705,000 | 128,566,000 | 126,444,000 | 133,855,000 |
| Total loans | 68,334,000 | 71,474,000 | 75,001,000 | 67,879,000 |
| Allowance for loan losses | 769,000 | 901,000 | 996,000 | 933,000 |
| Securities available for sale | 44,910,000 | 44,690,000 | 40,312,000 | 46,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,215,000 | 115,476,000 | 112,392,000 | 119,526,000 |
| Interest-bearing deposits | 94,480,000 | 93,390,000 | 92,530,000 | 94,724,000 |
| Noninterest-bearing deposits | 25,735,000 | 22,087,000 | 19,862,000 | 24,801,000 |
| Equity capital | 13,080,000 | 12,726,000 | 13,710,000 | 13,263,000 |
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 | 1,464,000 | 3,090,000 | 4,764,000 | 6,347,000 |
| Interest expense | 363,000 | 746,000 | 1,152,000 | 1,606,000 |
| Net interest income | 1,101,000 | 2,344,000 | 3,612,000 | 4,741,000 |
| Noninterest income | 261,000 | 493,000 | 725,000 | 1,030,000 |
| Noninterest expense | 814,000 | 1,644,000 | 2,503,000 | 3,387,000 |
| Provision for loan losses | 90,000 | 180,000 | 265,000 | 326,000 |
| Pretax income | 479,000 | 1,055,000 | 1,611,000 | 2,100,000 |
| Income tax | 99,000 | 199,000 | 366,000 | 424,000 |
| Net income | 380,000 | 856,000 | 1,245,000 | 1,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,860,000 | 13,336,000 | 13,726,000 | 13,407,000 |
| Total capital | 13,629,000 | 14,237,000 | 14,722,000 | 14,340,000 |
| Risk-weighted assets | 78,598,000 | 81,380,000 | 81,670,000 | 77,734,000 |