Call reports 2005
FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION — 2005
What FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 76,019,000 | 78,177,000 | 76,745,000 | 77,712,000 |
| Total loans | 56,720,000 | 57,091,000 | 57,894,000 | 59,774,000 |
| Allowance for loan losses | 1,452,000 | 1,348,000 | 925,000 | 1,346,000 |
| Securities available for sale | 7,811,000 | 7,696,000 | 8,344,000 | 8,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,170,000 | 67,095,000 | 65,413,000 | 65,974,000 |
| Interest-bearing deposits | 47,375,000 | 48,489,000 | 48,340,000 | 48,563,000 |
| Noninterest-bearing deposits | 17,796,000 | 18,606,000 | 17,073,000 | 17,411,000 |
| Equity capital | 10,471,000 | 10,765,000 | 10,890,000 | 11,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,148,000 | 2,338,000 | 3,612,000 | 4,951,000 |
| Interest expense | 184,000 | 399,000 | 647,000 | 938,000 |
| Net interest income | 964,000 | 1,939,000 | 2,965,000 | 4,013,000 |
| Noninterest income | 354,000 | 720,000 | 1,170,000 | 2,178,000 |
| Noninterest expense | 1,110,000 | 2,221,000 | 3,373,000 | 4,590,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 505,000 |
| Pretax income | 122,000 | 320,000 | 614,000 | 1,038,000 |
| Income tax | 40,000 | 80,000 | 191,000 | 357,000 |
| Net income | 82,000 | 240,000 | 423,000 | 681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,680,000 | 10,838,000 | 11,021,000 | 11,280,000 |
| Total capital | 11,445,000 | 11,613,000 | 11,808,000 | 12,078,000 |
| Risk-weighted assets | 60,516,000 | 61,426,000 | 62,797,000 | 63,323,000 |
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