Call reports 2009
FIRST COMMERCIAL BANK (U.S.A) — 2009
What FIRST COMMERCIAL BANK (U.S.A) reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 429,327,000 | 427,190,000 | 425,995,000 | 457,028,000 |
| Total loans | 369,323,000 | 374,193,000 | 376,648,000 | 386,104,000 |
| Allowance for loan losses | 4,870,000 | 7,274,000 | 8,182,000 | 8,260,000 |
| Securities available for sale | 17,742,000 | 16,930,000 | 22,040,000 | 14,027,000 |
| Securities held to maturity | 3,210,000 | 2,923,000 | 2,863,000 | 2,596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,183,000 | 369,856,000 | 368,552,000 | 364,640,000 |
| Interest-bearing deposits | 347,130,000 | 346,004,000 | 343,494,000 | 333,698,000 |
| Noninterest-bearing deposits | 24,054,000 | 23,852,000 | 25,058,000 | 30,942,000 |
| Equity capital | 47,943,000 | 47,308,000 | 47,682,000 | 48,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,768,000 | 9,507,000 | 14,268,000 | 19,224,000 |
| Interest expense | 2,143,000 | 4,087,000 | 5,831,000 | 7,280,000 |
| Net interest income | 2,625,000 | 5,420,000 | 8,437,000 | 11,944,000 |
| Noninterest income | 295,000 | 420,000 | 538,000 | 656,000 |
| Noninterest expense | 1,837,000 | 3,714,000 | 5,709,000 | 7,831,000 |
| Provision for loan losses | 506,000 | 2,661,000 | 3,534,000 | 4,188,000 |
| Pretax income | 577,000 | -535,000 | -268,000 | 581,000 |
| Income tax | 242,000 | 0 | 0 | 285,000 |
| Net income | 335,000 | -535,000 | -268,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,105,000 | 44,133,000 | 44,478,000 | 43,418,000 |
| Total capital | 52,518,000 | 48,560,000 | 48,883,000 | 47,956,000 |
| Risk-weighted assets | 352,571,000 | 351,253,000 | 348,580,000 | 359,245,000 |