Call reports 2004
FIRST COMMERCE BANK — 2004
What FIRST COMMERCE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 120,844,000 | 121,665,000 | 124,741,000 | 122,121,000 |
| Total loans | 81,257,000 | 83,152,000 | 84,381,000 | 87,037,000 |
| Allowance for loan losses | 631,000 | 637,000 | 655,000 | 668,000 |
| Securities available for sale | 29,474,000 | 27,252,000 | 26,377,000 | 25,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,276,000 | 105,782,000 | 109,142,000 | 103,463,000 |
| Interest-bearing deposits | 78,687,000 | 79,395,000 | 78,307,000 | 77,189,000 |
| Noninterest-bearing deposits | 26,589,000 | 26,387,000 | 30,835,000 | 26,274,000 |
| Equity capital | 14,727,000 | 13,970,000 | 14,513,000 | 14,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,762,000 | 3,578,000 | 5,412,000 | 7,297,000 |
| Interest expense | 167,000 | 329,000 | 495,000 | 664,000 |
| Net interest income | 1,595,000 | 3,249,000 | 4,917,000 | 6,633,000 |
| Noninterest income | 630,000 | 1,333,000 | 2,080,000 | 2,795,000 |
| Noninterest expense | 1,488,000 | 2,981,000 | 4,474,000 | 5,926,000 |
| Provision for loan losses | 2,000 | 17,000 | 66,000 | 102,000 |
| Pretax income | 735,000 | 1,584,000 | 2,457,000 | 3,400,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 735,000 | 1,584,000 | 2,457,000 | 3,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,268,000 | 14,366,000 | 14,490,000 | 14,333,000 |
| Total capital | 14,899,000 | 15,003,000 | 15,145,000 | 15,001,000 |
| Risk-weighted assets | 88,816,000 | 90,772,000 | 88,424,000 | 88,144,000 |