Call reports 2003
FIRST COMMERCIAL BANK OF HUNTSVILLE — 2003
What FIRST COMMERCIAL BANK OF HUNTSVILLE 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 | 415,550,000 | 425,646,000 | 418,327,000 | 432,194,000 |
| Total loans | 323,840,000 | 321,984,000 | 310,224,000 | 325,840,000 |
| Allowance for loan losses | 4,324,000 | 4,519,000 | 4,545,000 | 4,458,000 |
| Securities available for sale | 69,866,000 | 76,524,000 | 82,097,000 | 80,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,876,000 | 342,025,000 | 324,810,000 | 345,310,000 |
| Interest-bearing deposits | 294,400,000 | 294,367,000 | 272,231,000 | 290,142,000 |
| Noninterest-bearing deposits | 42,476,000 | 47,658,000 | 52,579,000 | 55,168,000 |
| Equity capital | 35,676,000 | 36,586,000 | 37,672,000 | 39,217,000 |
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 | 5,257,000 | 10,636,000 | 15,851,000 | 21,145,000 |
| Interest expense | 1,679,000 | 3,329,000 | 4,813,000 | 6,233,000 |
| Net interest income | 3,578,000 | 7,307,000 | 11,038,000 | 14,912,000 |
| Noninterest income | 372,000 | 770,000 | 1,223,000 | 1,767,000 |
| Noninterest expense | 1,882,000 | 3,772,000 | 5,703,000 | 7,786,000 |
| Provision for loan losses | 350,000 | 600,000 | 675,000 | 675,000 |
| Pretax income | 1,718,000 | 3,755,000 | 5,963,000 | 8,318,000 |
| Income tax | 606,000 | 1,318,000 | 2,108,000 | 2,945,000 |
| Net income | 1,112,000 | 2,437,000 | 3,855,000 | 5,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,531,000 | 35,414,000 | 36,920,000 | 38,461,000 |
| Total capital | 38,855,000 | 39,933,000 | 41,465,000 | 42,919,000 |
| Risk-weighted assets | 383,665,000 | 383,341,000 | 374,447,000 | 400,128,000 |