Call reports 2006
FIRST COMMERCIAL BANK (U.S.A) — 2006
What FIRST COMMERCIAL BANK (U.S.A) reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 337,961,000 | 337,492,000 | 379,316,000 | 374,821,000 |
| Total loans | 261,882,000 | 260,176,000 | 287,057,000 | 299,214,000 |
| Allowance for loan losses | 3,248,000 | 3,161,000 | 3,321,000 | 3,610,000 |
| Securities available for sale | 54,186,000 | 50,860,000 | 59,297,000 | 52,191,000 |
| Securities held to maturity | 6,703,000 | 6,436,000 | 6,173,000 | 5,962,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,528,000 | 280,578,000 | 320,647,000 | 314,498,000 |
| Interest-bearing deposits | 252,718,000 | 251,542,000 | 291,158,000 | 286,545,000 |
| Noninterest-bearing deposits | 29,810,000 | 29,036,000 | 29,490,000 | 27,953,000 |
| Equity capital | 39,121,000 | 40,096,000 | 41,434,000 | 42,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,774,000 | 11,694,000 | 18,292,000 | 25,314,000 |
| Interest expense | 2,221,000 | 4,650,000 | 7,653,000 | 11,039,000 |
| Net interest income | 3,553,000 | 7,044,000 | 10,639,000 | 14,275,000 |
| Noninterest income | 124,000 | 270,000 | 407,000 | 516,000 |
| Noninterest expense | 1,906,000 | 3,775,000 | 5,485,000 | 7,183,000 |
| Provision for loan losses | -98,000 | -186,000 | -26,000 | 263,000 |
| Pretax income | 1,869,000 | 3,725,000 | 5,587,000 | 7,345,000 |
| Income tax | 786,000 | 1,567,000 | 2,351,000 | 3,150,000 |
| Net income | 1,083,000 | 2,158,000 | 3,236,000 | 4,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,779,000 | 40,855,000 | 41,932,000 | 42,891,000 |
| Total capital | 43,040,000 | 44,116,000 | 45,363,000 | 46,607,000 |
| Risk-weighted assets | 289,861,000 | 292,167,000 | 317,114,000 | 329,110,000 |