Call reports 2008
FIRST COMMERCIAL BANK — 2008
What FIRST COMMERCIAL 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 | 1,905,807,000 | 1,950,610,000 | 1,962,883,000 | 2,042,890,000 |
| Total loans | 1,624,359,000 | 1,658,443,000 | 1,658,618,000 | 1,676,335,000 |
| Allowance for loan losses | 25,455,000 | 24,987,000 | 32,641,000 | 33,221,000 |
| Securities available for sale | 187,148,000 | 186,076,000 | 182,906,000 | 190,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 10,120,000 | 5,912,000 | 5,348,000 | 21,617,000 |
| Total deposits | 1,398,267,000 | 1,349,172,000 | 1,523,662,000 | 1,595,046,000 |
| Interest-bearing deposits | 1,347,550,000 | 1,301,803,000 | 1,473,050,000 | 1,348,067,000 |
| Noninterest-bearing deposits | 50,717,000 | 47,369,000 | 50,612,000 | 246,979,000 |
| Equity capital | 198,227,000 | 203,368,000 | 202,677,000 | 203,572,000 |
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 | 27,786,000 | 53,055,000 | 78,430,000 | 102,701,000 |
| Interest expense | 11,020,000 | 19,809,000 | 29,486,000 | 37,583,000 |
| Net interest income | 16,766,000 | 33,246,000 | 48,944,000 | 65,118,000 |
| Noninterest income | 12,555,000 | 22,285,000 | 30,452,000 | 38,529,000 |
| Noninterest expense | 14,994,000 | 29,174,000 | 42,717,000 | 56,311,000 |
| Provision for loan losses | 2,880,000 | 3,364,000 | 12,242,000 | 24,624,000 |
| Pretax income | 11,447,000 | 22,993,000 | 24,437,000 | 22,712,000 |
| Income tax | 4,204,000 | 7,864,000 | 8,336,000 | 7,279,000 |
| Net income | 7,243,000 | 15,129,000 | 16,101,000 | 15,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 194,973,000 | 202,385,000 | 201,652,000 | 199,032,000 |
| Total capital | 220,428,000 | 227,694,000 | 228,420,000 | 225,664,000 |
| Risk-weighted assets | 2,079,101,000 | 2,170,426,000 | 2,137,645,000 | 2,129,524,000 |