Call reports 2015
FIRST COMMERCIAL BANK (U.S.A) — 2015
What FIRST COMMERCIAL BANK (U.S.A) reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 487,064,000 | 484,204,000 | 499,495,000 | 489,268,000 |
| Total loans | 462,315,000 | 435,311,000 | 452,924,000 | 452,353,000 |
| Allowance for loan losses | 8,116,000 | 7,816,000 | 7,455,000 | 7,005,000 |
| Securities available for sale | 6,557,000 | 6,515,000 | 6,476,000 | 6,441,000 |
| Securities held to maturity | 3,016,000 | 2,784,000 | 2,515,000 | 4,227,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,493,000 | 376,641,000 | 390,722,000 | 362,527,000 |
| Interest-bearing deposits | 326,648,000 | 330,432,000 | 314,761,000 | 305,662,000 |
| Noninterest-bearing deposits | 43,844,000 | 46,209,000 | 75,961,000 | 56,865,000 |
| Equity capital | 105,442,000 | 106,204,000 | 107,075,000 | 108,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,470,000 | 7,060,000 | 10,853,000 | 15,079,000 |
| Interest expense | 403,000 | 831,000 | 1,259,000 | 1,672,000 |
| Net interest income | 3,067,000 | 6,229,000 | 9,594,000 | 13,407,000 |
| Noninterest income | 90,000 | 152,000 | 234,000 | 684,000 |
| Noninterest expense | 2,212,000 | 4,409,000 | 6,691,000 | 8,841,000 |
| Provision for loan losses | 0 | -300,000 | -661,000 | -1,111,000 |
| Pretax income | 1,347,000 | 2,674,000 | 4,200,000 | 6,763,000 |
| Income tax | 618,000 | 1,175,000 | 1,822,000 | 2,901,000 |
| Net income | 729,000 | 1,499,000 | 2,378,000 | 3,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,397,000 | 106,167,000 | 107,046,000 | 108,530,000 |
| Total capital | 110,284,000 | 111,291,000 | 112,513,000 | 113,864,000 |
| Risk-weighted assets | 387,606,000 | 407,096,000 | 435,122,000 | 424,802,000 |