Call reports 2002
FIRST COMMERCE BANK — 2002
What FIRST COMMERCE BANK 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 | 105,197,000 | 115,475,000 | 125,081,000 | 133,590,000 |
| Total loans | 68,849,000 | 79,676,000 | 83,249,000 | 96,120,000 |
| Allowance for loan losses | 1,464,000 | 1,569,000 | 1,524,000 | 1,300,000 |
| Securities available for sale | 0 | 0 | 0 | 4,004,000 |
| Securities held to maturity | 2,249,000 | 3,149,000 | 4,874,000 | 6,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,445,000 | 104,773,000 | 113,838,000 | 121,683,000 |
| Interest-bearing deposits | 53,419,000 | 64,247,000 | 71,670,000 | 79,829,000 |
| Noninterest-bearing deposits | 42,026,000 | 40,526,000 | 42,168,000 | 41,854,000 |
| Equity capital | 9,553,000 | 10,418,000 | 10,906,000 | 11,451,000 |
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 | 1,336,000 | 2,777,000 | 4,359,000 | 5,998,000 |
| Interest expense | 271,000 | 533,000 | 815,000 | 1,131,000 |
| Net interest income | 1,065,000 | 2,244,000 | 3,544,000 | 4,867,000 |
| Noninterest income | 143,000 | 300,000 | 454,000 | 607,000 |
| Noninterest expense | 954,000 | 1,932,000 | 2,948,000 | 4,233,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 118,000 |
| Pretax income | 149,000 | 402,000 | 735,000 | 1,123,000 |
| Income tax | -60,000 | -162,000 | -300,000 | -459,000 |
| Net income | 209,000 | 564,000 | 1,035,000 | 1,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,553,000 | 10,418,000 | 10,906,000 | 11,355,000 |
| Total capital | 10,528,000 | 11,541,000 | 12,085,000 | 12,732,000 |
| Risk-weighted assets | 77,521,000 | 89,441,000 | 94,004,000 | 110,068,000 |