Call reports 2005
FIRST COMMERCE BANK — 2005
What FIRST COMMERCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 27,399,000 | 28,963,000 | 29,771,000 | 31,456,000 |
| Total loans | 24,994,000 | 26,310,000 | 27,504,000 | 28,494,000 |
| Allowance for loan losses | 264,000 | 274,000 | 284,000 | 294,000 |
| Securities available for sale | 988,000 | 994,000 | 983,000 | 981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,905,000 | 19,876,000 | 19,121,000 | 20,459,000 |
| Interest-bearing deposits | 18,936,000 | 17,680,000 | 17,143,000 | 17,883,000 |
| Noninterest-bearing deposits | 1,969,000 | 2,196,000 | 1,978,000 | 2,576,000 |
| Equity capital | 3,510,000 | 3,656,000 | 3,793,000 | 3,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 413,000 | 847,000 | 1,309,000 | 1,795,000 |
| Interest expense | 111,000 | 238,000 | 390,000 | 571,000 |
| Net interest income | 302,000 | 609,000 | 919,000 | 1,224,000 |
| Noninterest income | 21,000 | 54,000 | 84,000 | 118,000 |
| Noninterest expense | 180,000 | 364,000 | 544,000 | 715,000 |
| Provision for loan losses | 0 | 10,000 | 20,000 | 30,000 |
| Pretax income | 143,000 | 289,000 | 439,000 | 597,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 24,000 |
| Net income | 137,000 | 277,000 | 421,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,521,000 | 3,661,000 | 3,805,000 | 3,956,000 |
| Total capital | 3,780,000 | 3,935,000 | 4,089,000 | 4,250,000 |
| Risk-weighted assets | 20,728,000 | 21,995,000 | 22,897,000 | 24,190,000 |