Call reports 2001
FIRST COMMERCIAL BANK OF HUNTSVILLE — 2001
What FIRST COMMERCIAL BANK OF HUNTSVILLE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 289,347,000 | 293,109,000 | 312,836,000 | 328,998,000 |
| Total loans | 227,904,000 | 230,230,000 | 242,252,000 | 256,787,000 |
| Allowance for loan losses | 3,122,000 | 3,194,000 | 3,194,000 | 3,459,000 |
| Securities available for sale | 43,582,000 | 43,623,000 | 51,091,000 | 52,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,117,000 | 217,812,000 | 238,048,000 | 246,585,000 |
| Interest-bearing deposits | 209,335,000 | 184,713,000 | 206,226,000 | 215,816,000 |
| Noninterest-bearing deposits | 27,782,000 | 33,099,000 | 31,822,000 | 30,769,000 |
| Equity capital | 22,960,000 | 23,148,000 | 25,054,000 | 26,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 5,705,000 | 11,263,000 | 16,793,000 | 22,163,000 |
| Interest expense | 2,976,000 | 5,578,000 | 7,901,000 | 9,773,000 |
| Net interest income | 2,729,000 | 5,685,000 | 8,892,000 | 12,390,000 |
| Noninterest income | 295,000 | 565,000 | 826,000 | 1,107,000 |
| Noninterest expense | 1,421,000 | 2,797,000 | 4,161,000 | 5,544,000 |
| Provision for loan losses | 195,000 | 1,470,000 | 2,050,000 | 2,370,000 |
| Pretax income | 1,408,000 | 1,983,000 | 3,507,000 | 5,644,000 |
| Income tax | 494,000 | 678,000 | 1,216,000 | 1,982,000 |
| Net income | 914,000 | 1,305,000 | 2,291,000 | 3,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,350,000 | 22,429,000 | 24,006,000 | 25,765,000 |
| Total capital | 25,472,000 | 25,609,000 | 27,200,000 | 29,224,000 |
| Risk-weighted assets | 250,964,000 | 254,601,000 | 270,857,000 | 288,398,000 |