Call reports 2003
FIRST COMMERCIAL BANK — 2003
What FIRST COMMERCIAL BANK 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 | 172,315,000 | 173,557,000 | 192,180,000 | 194,277,000 |
| Total loans | 117,350,000 | 121,840,000 | 142,038,000 | 142,777,000 |
| Allowance for loan losses | 911,000 | 1,097,000 | 1,174,000 | 1,549,000 |
| Securities available for sale | 10,579,000 | 9,533,000 | 7,787,000 | 7,003,000 |
| Securities held to maturity | 30,670,000 | 24,051,000 | 29,215,000 | 33,044,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,481,000 | 157,702,000 | 160,140,000 | 162,189,000 |
| Interest-bearing deposits | 134,530,000 | 133,852,000 | 131,236,000 | 134,395,000 |
| Noninterest-bearing deposits | 22,951,000 | 23,850,000 | 28,904,000 | 27,794,000 |
| Equity capital | 13,454,000 | 13,966,000 | 13,497,000 | 14,144,000 |
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 | 2,515,000 | 5,189,000 | 7,920,000 | 10,893,000 |
| Interest expense | 584,000 | 1,187,000 | 1,750,000 | 2,343,000 |
| Net interest income | 1,931,000 | 4,002,000 | 6,170,000 | 8,550,000 |
| Noninterest income | 239,000 | 466,000 | 688,000 | 926,000 |
| Noninterest expense | 1,392,000 | 2,815,000 | 4,217,000 | 5,720,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 704,000 | 1,504,000 | 2,419,000 | 3,460,000 |
| Income tax | 233,000 | 521,000 | 849,000 | 1,244,000 |
| Net income | 471,000 | 983,000 | 1,570,000 | 2,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,408,000 | 13,919,000 | 13,469,000 | 14,114,000 |
| Total capital | 14,319,000 | 15,016,000 | 14,643,000 | 15,663,000 |
| Risk-weighted assets | 109,773,000 | 130,233,000 | 144,197,000 | 151,718,000 |