Call reports 2003
FIRST COMMERCE BANK — 2003
What FIRST COMMERCE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Total assets | 179,181,000 | 188,844,000 |
| Total loans | 114,439,000 | 111,857,000 |
| Allowance for loan losses | 1,776,000 | 1,772,000 |
| Securities available for sale | 37,071,000 | 26,631,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 139,828,000 | 149,181,000 |
| Interest-bearing deposits | 101,577,000 | 103,671,000 |
| Noninterest-bearing deposits | 38,251,000 | 45,510,000 |
| Equity capital | 15,963,000 | 16,276,000 |
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 |
|---|---|---|
| Interest income | 2,136,000 | 4,123,000 |
| Interest expense | 826,000 | 1,648,000 |
| Net interest income | 1,310,000 | 2,475,000 |
| Noninterest income | 148,000 | 338,000 |
| Noninterest expense | 915,000 | 1,781,000 |
| Provision for loan losses | 190,000 | 490,000 |
| Pretax income | 406,000 | 853,000 |
| Income tax | 128,000 | 255,000 |
| Net income | 278,000 | 598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 |
|---|---|---|
| Tier 1 capital | 15,335,000 | 15,656,000 |
| Total capital | 16,986,000 | 17,323,000 |
| Risk-weighted assets | 131,987,000 | 133,256,000 |