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 | 32,077,000 | 27,667,000 | 25,404,000 | 31,932,000 |
| Total loans | 22,913,000 | 21,444,000 | 18,694,000 | 27,178,000 |
| Allowance for loan losses | 791,000 | 757,000 | 689,000 | 579,000 |
| Securities available for sale | 2,840,000 | 2,861,000 | 3,071,000 | 3,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,993,000 | 21,543,000 | 19,189,000 | 23,712,000 |
| Interest-bearing deposits | 23,467,000 | 18,986,000 | 16,756,000 | 21,692,000 |
| Noninterest-bearing deposits | 2,526,000 | 2,557,000 | 2,433,000 | 2,020,000 |
| Equity capital | 2,308,000 | 2,142,000 | 2,237,000 | 4,217,000 |
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 | 398,000 | 784,000 | 1,107,000 | 1,431,000 |
| Interest expense | 157,000 | 303,000 | 432,000 | 551,000 |
| Net interest income | 241,000 | 481,000 | 675,000 | 880,000 |
| Noninterest income | 15,000 | 26,000 | 37,000 | 48,000 |
| Noninterest expense | 524,000 | 936,000 | 1,260,000 | 1,578,000 |
| Provision for loan losses | 82,000 | 107,000 | 107,000 | 107,000 |
| Pretax income | -350,000 | -536,000 | -559,000 | -661,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -350,000 | -536,000 | -559,000 | -661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,212,000 | 2,025,000 | 2,257,000 | 4,238,000 |
| Total capital | 2,499,000 | 2,285,000 | 2,481,000 | 4,557,000 |
| Risk-weighted assets | 22,461,000 | 20,277,000 | 17,478,000 | 25,277,000 |