Call reports 2002
FIRST COMMERCIAL BANK OF HUNTSVILLE — 2002
What FIRST COMMERCIAL BANK OF HUNTSVILLE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 340,993,000 | 346,847,000 | 355,575,000 | 398,643,000 |
| Total loans | 269,762,000 | 271,648,000 | 280,183,000 | 304,200,000 |
| Allowance for loan losses | 3,698,000 | 3,909,000 | 3,876,000 | 4,145,000 |
| Securities available for sale | 52,413,000 | 52,563,000 | 55,698,000 | 65,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,819,000 | 272,188,000 | 286,484,000 | 319,435,000 |
| Interest-bearing deposits | 234,838,000 | 237,117,000 | 251,164,000 | 282,322,000 |
| Noninterest-bearing deposits | 36,981,000 | 35,071,000 | 35,320,000 | 37,113,000 |
| Equity capital | 27,208,000 | 28,597,000 | 30,218,000 | 34,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,151,000 | 10,316,000 | 15,629,000 | 20,972,000 |
| Interest expense | 1,698,000 | 3,432,000 | 5,175,000 | 6,933,000 |
| Net interest income | 3,453,000 | 6,884,000 | 10,454,000 | 14,039,000 |
| Noninterest income | 298,000 | 595,000 | 1,928,000 | 2,269,000 |
| Noninterest expense | 1,757,000 | 3,518,000 | 5,319,000 | 7,022,000 |
| Provision for loan losses | 345,000 | 760,000 | 1,000,000 | 1,335,000 |
| Pretax income | 1,649,000 | 3,201,000 | 6,063,000 | 7,951,000 |
| Income tax | 579,000 | 1,120,000 | 2,149,000 | 2,813,000 |
| Net income | 1,070,000 | 2,081,000 | 3,914,000 | 5,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,745,000 | 27,632,000 | 28,915,000 | 32,769,000 |
| Total capital | 30,443,000 | 31,446,000 | 32,791,000 | 36,914,000 |
| Risk-weighted assets | 298,987,000 | 304,997,000 | 322,977,000 | 361,267,000 |