Call reports 2004
FIRST COMMERCIAL BANK OF HUNTSVILLE — 2004
What FIRST COMMERCIAL BANK OF HUNTSVILLE 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 | 436,647,000 | 453,810,000 | 449,946,000 | 442,307,000 |
| Total loans | 333,550,000 | 356,716,000 | 358,776,000 | 354,598,000 |
| Allowance for loan losses | 4,617,000 | 4,575,000 | 5,089,000 | 4,963,000 |
| Securities available for sale | 79,059,000 | 71,274,000 | 68,894,000 | 65,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,466,000 | 339,870,000 | 324,679,000 | 345,240,000 |
| Interest-bearing deposits | 275,450,000 | 277,782,000 | 266,251,000 | 284,363,000 |
| Noninterest-bearing deposits | 53,016,000 | 62,088,000 | 58,428,000 | 60,877,000 |
| Equity capital | 40,363,000 | 38,977,000 | 39,823,000 | 40,345,000 |
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 | 5,322,000 | 10,768,000 | 16,586,000 | 22,456,000 |
| Interest expense | 1,431,000 | 2,855,000 | 4,505,000 | 6,337,000 |
| Net interest income | 3,891,000 | 7,913,000 | 12,081,000 | 16,119,000 |
| Noninterest income | 572,000 | 1,257,000 | 1,856,000 | 2,417,000 |
| Noninterest expense | 2,079,000 | 4,254,000 | 6,392,000 | 8,376,000 |
| Provision for loan losses | 195,000 | 480,000 | 1,270,000 | 1,270,000 |
| Pretax income | 2,189,000 | 4,436,000 | 6,275,000 | 8,890,000 |
| Income tax | 780,000 | 1,577,000 | 2,222,000 | 3,161,000 |
| Net income | 1,409,000 | 2,859,000 | 4,053,000 | 5,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,452,000 | 39,250,000 | 39,445,000 | 40,268,000 |
| Total capital | 44,069,000 | 43,825,000 | 44,534,000 | 45,231,000 |
| Risk-weighted assets | 409,345,000 | 424,817,000 | 432,499,000 | 428,866,000 |