Call reports 2002
FIRST COMMERCIAL BANK — 2002
What FIRST COMMERCIAL 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 | 119,675,000 | 121,118,000 | 127,268,000 | 128,736,000 |
| Total loans | 96,842,000 | 99,322,000 | 106,266,000 | 106,463,000 |
| Allowance for loan losses | 611,000 | 602,000 | 651,000 | 644,000 |
| Securities available for sale | 8,316,000 | 7,495,000 | 7,226,000 | 6,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,046,000 | 99,905,000 | 100,578,000 | 98,997,000 |
| Interest-bearing deposits | 80,642,000 | 76,378,000 | 76,834,000 | 79,703,000 |
| Noninterest-bearing deposits | 22,404,000 | 23,527,000 | 23,744,000 | 19,294,000 |
| Equity capital | 12,336,000 | 12,590,000 | 13,014,000 | 13,289,000 |
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 | 1,980,000 | 3,903,000 | 5,844,000 | 7,855,000 |
| Interest expense | 722,000 | 1,338,000 | 1,944,000 | 2,528,000 |
| Net interest income | 1,258,000 | 2,565,000 | 3,900,000 | 5,327,000 |
| Noninterest income | 507,000 | 1,041,000 | 1,906,000 | 2,563,000 |
| Noninterest expense | 1,495,000 | 3,022,000 | 4,630,000 | 6,206,000 |
| Provision for loan losses | 51,000 | 102,000 | 153,000 | 204,000 |
| Pretax income | 207,000 | 464,000 | 1,009,000 | 1,491,000 |
| Income tax | 81,000 | 186,000 | 318,000 | 434,000 |
| Net income | 126,000 | 278,000 | 691,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,075,000 | 11,248,000 | 11,738,000 | 11,981,000 |
| Total capital | 11,686,000 | 11,850,000 | 12,389,000 | 12,625,000 |
| Risk-weighted assets | 90,207,000 | 90,004,000 | 92,283,000 | 92,707,000 |