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 | 47,141,000 | 52,259,000 | 101,556,000 | 106,188,000 |
| Total loans | 33,668,000 | 38,236,000 | 76,869,000 | 80,219,000 |
| Allowance for loan losses | 337,000 | 347,000 | 761,000 | 857,000 |
| Securities available for sale | 8,717,000 | 10,064,000 | 16,035,000 | 6,796,000 |
| Securities held to maturity | 756,000 | 756,000 | 756,000 | 246,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,386,000 | 40,180,000 | 80,736,000 | 85,752,000 |
| Interest-bearing deposits | 33,316,000 | 33,706,000 | 67,377,000 | 73,176,000 |
| Noninterest-bearing deposits | 7,070,000 | 6,474,000 | 13,359,000 | 12,576,000 |
| Equity capital | 2,895,000 | 3,526,000 | 8,155,000 | 8,420,000 |
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 | 670,000 | 1,336,000 | 3,961,000 | 5,318,000 |
| Interest expense | 325,000 | 651,000 | 1,904,000 | 2,504,000 |
| Net interest income | 345,000 | 685,000 | 2,057,000 | 2,814,000 |
| Noninterest income | 77,000 | 112,000 | 462,000 | 572,000 |
| Noninterest expense | 262,000 | 525,000 | 1,803,000 | 2,414,000 |
| Provision for loan losses | 8,000 | 17,000 | 141,000 | 170,000 |
| Pretax income | 152,000 | 255,000 | 581,000 | 1,050,000 |
| Income tax | 41,000 | 75,000 | 145,000 | 156,000 |
| Net income | 111,000 | 180,000 | 436,000 | 894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,855,000 | 3,440,000 | 6,463,000 | 6,921,000 |
| Total capital | 3,192,000 | 3,787,000 | 7,224,000 | 7,778,000 |
| Risk-weighted assets | 35,691,000 | 40,361,000 | 80,803,000 | 83,439,000 |