Call reports 2005
FIRST COMMERCIAL BANK — 2005
What FIRST COMMERCIAL BANK 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 | 1,712,465,000 | 1,714,832,000 | 1,805,513,000 | 1,788,188,000 |
| Total loans | 1,491,683,000 | 1,482,467,000 | 1,521,575,000 | 1,523,621,000 |
| Allowance for loan losses | 19,727,000 | 22,204,000 | 22,623,000 | 21,948,000 |
| Securities available for sale | 145,870,000 | 156,437,000 | 159,261,000 | 166,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,212,734,000 | 1,153,766,000 | 1,179,611,000 | 1,206,822,000 |
| Interest-bearing deposits | 898,466,000 | 908,195,000 | 928,832,000 | 1,001,578,000 |
| Noninterest-bearing deposits | 314,268,000 | 245,571,000 | 250,779,000 | 205,244,000 |
| Equity capital | 169,094,000 | 172,149,000 | 176,507,000 | 176,837,000 |
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 | 22,626,000 | 47,472,000 | 73,768,000 | 102,130,000 |
| Interest expense | 6,001,000 | 13,134,000 | 22,231,000 | 32,350,000 |
| Net interest income | 16,625,000 | 34,338,000 | 51,537,000 | 69,780,000 |
| Noninterest income | 8,153,000 | 17,870,000 | 28,615,000 | 38,157,000 |
| Noninterest expense | 11,670,000 | 23,912,000 | 36,680,000 | 49,909,000 |
| Provision for loan losses | 1,875,000 | 4,604,000 | 5,119,000 | 4,644,000 |
| Pretax income | 11,233,000 | 23,692,000 | 38,353,000 | 53,384,000 |
| Income tax | 4,124,000 | 8,410,000 | 13,801,000 | 19,350,000 |
| Net income | 7,109,000 | 15,282,000 | 24,552,000 | 34,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 169,903,000 | 172,117,000 | 177,185,000 | 178,179,000 |
| Total capital | 189,630,000 | 194,321,000 | 199,304,000 | 200,127,000 |
| Risk-weighted assets | 1,788,988,000 | 1,781,032,000 | 1,769,025,000 | 1,760,246,000 |