Call reports 2004
FIRST COMMERCE BANK — 2004
What FIRST COMMERCE 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 | 24,328,000 | 24,555,000 | 25,147,000 | 27,802,000 |
| Total loans | 21,196,000 | 22,505,000 | 23,056,000 | 25,332,000 |
| Allowance for loan losses | 214,000 | 229,000 | 229,000 | 264,000 |
| Securities available for sale | 1,008,000 | 993,000 | 1,003,000 | 998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,362,000 | 18,595,000 | 19,140,000 | 20,136,000 |
| Interest-bearing deposits | 16,482,000 | 16,817,000 | 17,161,000 | 17,714,000 |
| Noninterest-bearing deposits | 1,880,000 | 1,778,000 | 1,979,000 | 2,422,000 |
| Equity capital | 3,052,000 | 3,143,000 | 3,279,000 | 3,383,000 |
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 | 330,000 | 683,000 | 1,055,000 | 1,443,000 |
| Interest expense | 90,000 | 184,000 | 283,000 | 388,000 |
| Net interest income | 240,000 | 499,000 | 772,000 | 1,055,000 |
| Noninterest income | 18,000 | 36,000 | 55,000 | 81,000 |
| Noninterest expense | 149,000 | 311,000 | 475,000 | 637,000 |
| Provision for loan losses | 10,000 | 25,000 | 25,000 | 60,000 |
| Pretax income | 99,000 | 199,000 | 327,000 | 439,000 |
| Income tax | 0 | 0 | 0 | 4,000 |
| Net income | 99,000 | 199,000 | 327,000 | 435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,048,000 | 3,149,000 | 3,277,000 | 3,384,000 |
| Total capital | 3,266,000 | 3,378,000 | 3,506,000 | 3,646,000 |
| Risk-weighted assets | 17,751,000 | 18,675,000 | 19,054,000 | 21,054,000 |