Call reports 2003
FIRST COMMERCE BANK — 2003
What FIRST COMMERCE BANK 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 | 140,155,000 | 140,663,000 | 167,573,000 | 175,047,000 |
| Total loans | 103,792,000 | 110,495,000 | 116,986,000 | 133,210,000 |
| Allowance for loan losses | 1,346,000 | 1,407,000 | 1,475,000 | 1,581,000 |
| Securities available for sale | 4,419,000 | 0 | 7,190,000 | 15,672,000 |
| Securities held to maturity | 8,150,000 | 3,150,000 | 2,400,000 | 900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,743,000 | 127,627,000 | 153,918,000 | 156,513,000 |
| Interest-bearing deposits | 84,421,000 | 81,713,000 | 95,244,000 | 100,540,000 |
| Noninterest-bearing deposits | 43,322,000 | 45,915,000 | 58,673,000 | 55,972,000 |
| Equity capital | 11,755,000 | 12,036,000 | 12,420,000 | 12,810,000 |
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 | 1,698,000 | 3,476,000 | 5,271,000 | 7,258,000 |
| Interest expense | 293,000 | 583,000 | 858,000 | 1,209,000 |
| Net interest income | 1,405,000 | 2,893,000 | 4,413,000 | 6,049,000 |
| Noninterest income | 158,000 | 377,000 | 631,000 | 796,000 |
| Noninterest expense | 1,211,000 | 2,348,000 | 3,429,000 | 4,517,000 |
| Provision for loan losses | -52,000 | 7,000 | 69,000 | 170,000 |
| Pretax income | 404,000 | 939,000 | 1,570,000 | 2,182,000 |
| Income tax | 138,000 | 363,000 | 628,000 | 886,000 |
| Net income | 266,000 | 576,000 | 942,000 | 1,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,630,000 | 11,942,000 | 12,308,000 | 12,707,000 |
| Total capital | 13,100,000 | 13,488,000 | 13,995,000 | 14,501,000 |
| Risk-weighted assets | 117,551,000 | 123,617,000 | 134,904,000 | 148,095,000 |