Call reports 2007
FIRST COMMERCIAL BANK (U.S.A) — 2007
What FIRST COMMERCIAL BANK (U.S.A) 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 | 393,341,000 | 398,893,000 | 413,442,000 | 427,213,000 |
| Total loans | 309,273,000 | 322,575,000 | 348,299,000 | 377,499,000 |
| Allowance for loan losses | 3,640,000 | 3,690,000 | 3,822,000 | 4,001,000 |
| Securities available for sale | 51,199,000 | 49,751,000 | 45,235,000 | 32,239,000 |
| Securities held to maturity | 5,752,000 | 5,198,000 | 4,747,000 | 2,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,993,000 | 340,852,000 | 329,382,000 | 358,079,000 |
| Interest-bearing deposits | 294,963,000 | 312,431,000 | 300,568,000 | 327,757,000 |
| Noninterest-bearing deposits | 31,030,000 | 28,421,000 | 28,814,000 | 30,322,000 |
| Equity capital | 43,701,000 | 44,754,000 | 46,164,000 | 47,134,000 |
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 | 6,925,000 | 14,115,000 | 21,518,000 | 28,602,000 |
| Interest expense | 3,338,000 | 6,887,000 | 10,578,000 | 14,440,000 |
| Net interest income | 3,587,000 | 7,228,000 | 10,940,000 | 14,162,000 |
| Noninterest income | 119,000 | 270,000 | 400,000 | 529,000 |
| Noninterest expense | 1,719,000 | 3,423,000 | 5,001,000 | 6,742,000 |
| Provision for loan losses | 31,000 | 82,000 | 213,000 | 392,000 |
| Pretax income | 1,956,000 | 3,993,000 | 6,126,000 | 7,557,000 |
| Income tax | 823,000 | 1,679,000 | 2,578,000 | 3,002,000 |
| Net income | 1,133,000 | 2,314,000 | 3,548,000 | 4,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,024,000 | 45,205,000 | 46,438,000 | 47,447,000 |
| Total capital | 47,760,000 | 48,991,000 | 50,354,000 | 51,528,000 |
| Risk-weighted assets | 336,498,000 | 339,253,000 | 356,016,000 | 363,770,000 |