Call reports 2007
FIRST COMMERCIAL BANK — 2007
What FIRST COMMERCIAL BANK 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 | 1,882,629,000 | 1,866,467,000 | 1,872,066,000 | 1,849,420,000 |
| Total loans | 1,616,893,000 | 1,610,069,000 | 1,591,304,000 | 1,547,449,000 |
| Allowance for loan losses | 17,744,000 | 19,328,000 | 20,971,000 | 21,575,000 |
| Securities available for sale | 178,732,000 | 174,590,000 | 181,601,000 | 188,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,408,702,000 | 1,380,321,000 | 1,385,335,000 | 1,395,500,000 |
| Interest-bearing deposits | 1,302,046,000 | 1,272,870,000 | 1,348,942,000 | 1,341,649,000 |
| Noninterest-bearing deposits | 106,656,000 | 107,451,000 | 36,393,000 | 53,851,000 |
| Equity capital | 193,928,000 | 191,694,000 | 188,875,000 | 189,469,000 |
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 | 32,604,000 | 65,109,000 | 98,091,000 | 128,554,000 |
| Interest expense | 15,347,000 | 30,316,000 | 45,837,000 | 59,353,000 |
| Net interest income | 17,257,000 | 34,793,000 | 52,254,000 | 69,201,000 |
| Noninterest income | 10,876,000 | 22,731,000 | 32,330,000 | 42,460,000 |
| Noninterest expense | 14,882,000 | 29,421,000 | 43,911,000 | 57,853,000 |
| Provision for loan losses | 930,000 | 3,735,000 | 5,483,000 | 8,774,000 |
| Pretax income | 12,321,000 | 24,384,000 | 35,206,000 | 45,050,000 |
| Income tax | 4,514,000 | 8,946,000 | 12,905,000 | 16,904,000 |
| Net income | 7,807,000 | 15,438,000 | 22,301,000 | 28,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 194,275,000 | 193,451,000 | 189,229,000 | 188,950,000 |
| Total capital | 212,019,000 | 212,779,000 | 210,200,000 | 210,525,000 |
| Risk-weighted assets | 1,975,756,000 | 1,957,892,000 | 1,982,065,000 | 1,990,644,000 |