Call reports 2004
FIRST COMMERCIAL BANK — 2004
What FIRST COMMERCIAL 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 | 41,587,000 | 47,025,000 | 49,307,000 | 57,454,000 |
| Total loans | 36,977,000 | 40,702,000 | 43,127,000 | 51,540,000 |
| Allowance for loan losses | 691,000 | 954,000 | 978,000 | 1,003,000 |
| Securities available for sale | 3,083,000 | 3,635,000 | 3,920,000 | 3,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,211,000 | 39,826,000 | 41,848,000 | 47,393,000 |
| Interest-bearing deposits | 29,460,000 | 37,668,000 | 39,279,000 | 44,039,000 |
| Noninterest-bearing deposits | 3,751,000 | 2,158,000 | 2,569,000 | 3,354,000 |
| Equity capital | 4,342,000 | 4,132,000 | 4,365,000 | 5,561,000 |
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 | 696,000 | 1,416,000 | 2,211,000 | 3,156,000 |
| Interest expense | 178,000 | 430,000 | 686,000 | 1,013,000 |
| Net interest income | 518,000 | 986,000 | 1,525,000 | 2,143,000 |
| Noninterest income | 10,000 | 20,000 | 33,000 | 47,000 |
| Noninterest expense | 316,000 | 666,000 | 1,030,000 | 1,412,000 |
| Provision for loan losses | 120,000 | 377,000 | 377,000 | 377,000 |
| Pretax income | 92,000 | -37,000 | 151,000 | 401,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 92,000 | -37,000 | 151,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,330,000 | 4,201,000 | 4,389,000 | 5,609,000 |
| Total capital | 4,743,000 | 4,668,000 | 4,890,000 | 6,190,000 |
| Risk-weighted assets | 32,761,000 | 36,897,000 | 39,590,000 | 46,056,000 |