Call reports 2008
FIRST COMMERCIAL BANK (U.S.A) — 2008
What FIRST COMMERCIAL BANK (U.S.A) 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 | 449,477,000 | 425,978,000 | 437,511,000 | 425,273,000 |
| Total loans | 380,493,000 | 365,145,000 | 378,764,000 | 356,620,000 |
| Allowance for loan losses | 4,250,000 | 4,410,000 | 4,793,000 | 4,575,000 |
| Securities available for sale | 43,852,000 | 40,091,000 | 28,253,000 | 21,744,000 |
| Securities held to maturity | 2,496,000 | 2,385,000 | 2,310,000 | 3,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,480,000 | 367,131,000 | 363,058,000 | 356,187,000 |
| Interest-bearing deposits | 325,123,000 | 334,667,000 | 334,540,000 | 326,195,000 |
| Noninterest-bearing deposits | 30,357,000 | 32,465,000 | 28,518,000 | 29,992,000 |
| Equity capital | 47,640,000 | 48,292,000 | 46,512,000 | 47,658,000 |
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 | 6,458,000 | 12,194,000 | 17,692,000 | 23,187,000 |
| Interest expense | 3,589,000 | 6,255,000 | 8,742,000 | 11,135,000 |
| Net interest income | 2,869,000 | 5,939,000 | 8,950,000 | 12,052,000 |
| Noninterest income | 214,000 | 318,000 | 464,000 | 569,000 |
| Noninterest expense | 1,834,000 | 3,555,000 | 5,185,000 | 6,961,000 |
| Provision for loan losses | 249,000 | 410,000 | 1,300,000 | 2,691,000 |
| Pretax income | 1,000,000 | 2,292,000 | 589,000 | 629,000 |
| Income tax | 421,000 | 966,000 | 1,239,000 | 305,000 |
| Net income | 579,000 | 1,326,000 | -650,000 | 324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,025,000 | 48,773,000 | 46,796,000 | 47,770,000 |
| Total capital | 52,366,000 | 53,274,000 | 51,458,000 | 52,182,000 |
| Risk-weighted assets | 382,056,000 | 372,092,000 | 372,729,000 | 352,687,000 |