Call reports 2003
FIRST COMMERCIAL BANK — 2003
What FIRST COMMERCIAL 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 | 132,828,000 | 130,289,000 | 128,626,000 | 124,845,000 |
| Total loans | 103,544,000 | 108,135,000 | 105,476,000 | 106,051,000 |
| Allowance for loan losses | 709,000 | 759,000 | 756,000 | 682,000 |
| Securities available for sale | 6,265,000 | 5,946,000 | 4,932,000 | 5,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,664,000 | 103,954,000 | 102,961,000 | 100,934,000 |
| Interest-bearing deposits | 75,027,000 | 75,333,000 | 75,872,000 | 76,601,000 |
| Noninterest-bearing deposits | 27,637,000 | 28,621,000 | 27,089,000 | 24,333,000 |
| Equity capital | 13,613,000 | 13,803,000 | 13,939,000 | 14,008,000 |
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 | 2,180,000 | 4,077,000 | 5,989,000 | 7,774,000 |
| Interest expense | 524,000 | 982,000 | 1,414,000 | 1,823,000 |
| Net interest income | 1,656,000 | 3,095,000 | 4,575,000 | 5,951,000 |
| Noninterest income | 693,000 | 1,352,000 | 2,031,000 | 2,465,000 |
| Noninterest expense | 1,597,000 | 3,233,000 | 5,051,000 | 6,601,000 |
| Provision for loan losses | 56,000 | 118,000 | 193,000 | 298,000 |
| Pretax income | 702,000 | 1,109,000 | 1,381,000 | 1,539,000 |
| Income tax | 194,000 | 403,000 | 503,000 | 589,000 |
| Net income | 508,000 | 706,000 | 878,000 | 950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,262,000 | 12,464,000 | 12,659,000 | 12,665,000 |
| Total capital | 12,971,000 | 13,223,000 | 13,415,000 | 13,347,000 |
| Risk-weighted assets | 97,904,000 | 102,363,000 | 99,602,000 | 101,692,000 |