Call reports 2004
FIRST COMMERCIAL BANK — 2004
What FIRST COMMERCIAL BANK 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 | 205,565,000 | 217,547,000 | 231,470,000 | 245,319,000 |
| Total loans | 147,840,000 | 161,104,000 | 174,608,000 | 179,561,000 |
| Allowance for loan losses | 1,700,000 | 1,891,000 | 2,042,000 | 2,240,000 |
| Securities available for sale | 6,776,000 | 6,558,000 | 6,360,000 | 5,987,000 |
| Securities held to maturity | 28,013,000 | 37,771,000 | 38,769,000 | 39,269,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,860,000 | 170,709,000 | 188,337,000 | 202,930,000 |
| Interest-bearing deposits | 138,467,000 | 141,875,000 | 158,460,000 | 175,309,000 |
| Noninterest-bearing deposits | 28,393,000 | 28,834,000 | 29,877,000 | 27,621,000 |
| Equity capital | 14,844,000 | 15,607,000 | 16,485,000 | 17,335,000 |
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 | 3,042,000 | 6,296,000 | 9,829,000 | 13,619,000 |
| Interest expense | 607,000 | 1,234,000 | 1,941,000 | 2,841,000 |
| Net interest income | 2,435,000 | 5,062,000 | 7,888,000 | 10,778,000 |
| Noninterest income | 238,000 | 470,000 | 705,000 | 934,000 |
| Noninterest expense | 1,439,000 | 2,915,000 | 4,463,000 | 5,982,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 675,000 |
| Pretax income | 1,087,000 | 2,320,000 | 3,684,000 | 5,061,000 |
| Income tax | 396,000 | 845,000 | 1,347,000 | 1,859,000 |
| Net income | 691,000 | 1,475,000 | 2,337,000 | 3,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,806,000 | 15,590,000 | 16,451,000 | 17,316,000 |
| Total capital | 16,506,000 | 17,481,000 | 18,494,000 | 19,557,000 |
| Risk-weighted assets | 156,587,000 | 167,379,000 | 182,411,000 | 189,347,000 |