Call reports 2008
FIRST COMMERCE BANK — 2008
What FIRST COMMERCE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 47,621,000 | 45,435,000 | 46,049,000 | 53,233,000 |
| Total loans | 34,504,000 | 36,677,000 | 37,595,000 | 41,964,000 |
| Allowance for loan losses | 355,000 | 360,000 | 370,000 | 459,000 |
| Securities available for sale | 3,854,000 | 3,560,000 | 3,504,000 | 3,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,132,000 | 41,332,000 | 42,146,000 | 48,853,000 |
| Interest-bearing deposits | 39,041,000 | 37,993,000 | 39,016,000 | 46,163,000 |
| Noninterest-bearing deposits | 4,091,000 | 3,339,000 | 3,130,000 | 2,690,000 |
| Equity capital | 4,278,000 | 3,962,000 | 3,727,000 | 4,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 646,000 | 1,290,000 | 1,937,000 | 2,569,000 |
| Interest expense | 407,000 | 803,000 | 1,195,000 | 1,598,000 |
| Net interest income | 239,000 | 487,000 | 742,000 | 971,000 |
| Noninterest income | 6,000 | 12,000 | 17,000 | 22,000 |
| Noninterest expense | 507,000 | 984,000 | 1,505,000 | 2,055,000 |
| Provision for loan losses | 0 | 5,000 | 15,000 | 104,000 |
| Pretax income | -262,000 | -490,000 | -761,000 | -1,166,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | -262,000 | -492,000 | -763,000 | -1,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,213,000 | 3,981,000 | 3,711,000 | 4,055,000 |
| Total capital | 4,590,000 | 4,357,000 | 4,095,000 | 4,529,000 |
| Risk-weighted assets | 39,756,000 | 40,427,000 | 40,876,000 | 44,553,000 |