Call reports 2005
FIRST COMMERCIAL BANK (U.S.A) — 2005
What FIRST COMMERCIAL BANK (U.S.A) 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 | 314,911,000 | 347,875,000 | 359,654,000 | 355,212,000 |
| Total loans | 236,560,000 | 253,039,000 | 273,113,000 | 268,864,000 |
| Allowance for loan losses | 3,124,000 | 3,302,000 | 3,396,000 | 3,346,000 |
| Securities available for sale | 65,087,000 | 60,686,000 | 58,019,000 | 58,295,000 |
| Securities held to maturity | 6,293,000 | 8,002,000 | 7,519,000 | 7,165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,781,000 | 291,462,000 | 306,062,000 | 300,068,000 |
| Interest-bearing deposits | 239,257,000 | 260,759,000 | 274,276,000 | 274,848,000 |
| Noninterest-bearing deposits | 28,524,000 | 30,703,000 | 31,786,000 | 25,220,000 |
| Equity capital | 35,733,000 | 36,911,000 | 37,476,000 | 38,028,000 |
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 | 4,169,000 | 8,831,000 | 14,293,000 | 20,059,000 |
| Interest expense | 1,173,000 | 2,785,000 | 4,826,000 | 7,098,000 |
| Net interest income | 2,996,000 | 6,046,000 | 9,467,000 | 12,961,000 |
| Noninterest income | 143,000 | 302,000 | 418,000 | 536,000 |
| Noninterest expense | 1,657,000 | 3,237,000 | 4,953,000 | 6,797,000 |
| Provision for loan losses | 150,000 | 355,000 | 449,000 | 400,000 |
| Pretax income | 1,332,000 | 2,756,000 | 4,483,000 | 5,642,000 |
| Income tax | 589,000 | 1,107,000 | 1,814,000 | 2,522,000 |
| Net income | 743,000 | 1,649,000 | 2,669,000 | 3,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,318,000 | 37,225,000 | 38,246,000 | 38,696,000 |
| Total capital | 39,442,000 | 40,542,000 | 41,658,000 | 42,057,000 |
| Risk-weighted assets | 265,690,000 | 284,158,000 | 301,877,000 | 295,413,000 |