Call reports 2007
FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION — 2007
What FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 98,606,000 | 100,373,000 | 104,367,000 | 101,406,000 |
| Total loans | 62,803,000 | 65,222,000 | 68,426,000 | 70,845,000 |
| Allowance for loan losses | 640,000 | 740,000 | 746,000 | 761,000 |
| Securities available for sale | 11,791,000 | 11,430,000 | 14,812,000 | 16,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,829,000 | 90,731,000 | 94,617,000 | 91,330,000 |
| Interest-bearing deposits | 70,515,000 | 69,637,000 | 74,469,000 | 70,802,000 |
| Noninterest-bearing deposits | 18,314,000 | 21,094,000 | 20,148,000 | 20,528,000 |
| Equity capital | 8,909,000 | 8,797,000 | 8,891,000 | 9,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,702,000 | 3,529,000 | 5,434,000 | 7,301,000 |
| Interest expense | 640,000 | 1,325,000 | 2,049,000 | 2,711,000 |
| Net interest income | 1,062,000 | 2,204,000 | 3,385,000 | 4,590,000 |
| Noninterest income | 401,000 | 661,000 | 932,000 | 1,268,000 |
| Noninterest expense | 1,324,000 | 2,590,000 | 3,838,000 | 5,109,000 |
| Provision for loan losses | 60,000 | 140,000 | 150,000 | 160,000 |
| Pretax income | 79,000 | 145,000 | 339,000 | 599,000 |
| Income tax | 16,000 | -58,000 | -58,000 | -58,000 |
| Net income | 63,000 | 203,000 | 397,000 | 657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,026,000 | 9,093,000 | 8,976,000 | 9,113,000 |
| Total capital | 9,666,000 | 9,833,000 | 9,722,000 | 9,873,000 |
| Risk-weighted assets | 70,776,000 | 72,587,000 | 74,866,000 | 78,872,000 |
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