Call reports 2016
FIRST COMMERCIAL BANK (U.S.A) — 2016
What FIRST COMMERCIAL BANK (U.S.A) reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 474,764,000 | 484,489,000 | 498,652,000 | 498,242,000 |
| Total loans | 447,576,000 | 444,907,000 | 468,451,000 | 448,867,000 |
| Allowance for loan losses | 7,005,000 | 6,110,000 | 6,213,000 | 6,024,000 |
| Securities available for sale | 3,417,000 | 3,399,000 | 8,380,000 | 10,422,000 |
| Securities held to maturity | 4,200,000 | 3,520,000 | 2,971,000 | 3,937,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,352,000 | 373,283,000 | 371,515,000 | 385,274,000 |
| Interest-bearing deposits | 306,225,000 | 307,129,000 | 309,297,000 | 319,166,000 |
| Noninterest-bearing deposits | 58,126,000 | 66,154,000 | 62,218,000 | 66,108,000 |
| Equity capital | 108,966,000 | 109,628,000 | 110,360,000 | 111,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,819,000 | 7,544,000 | 11,460,000 | 15,826,000 |
| Interest expense | 402,000 | 798,000 | 1,208,000 | 1,655,000 |
| Net interest income | 3,417,000 | 6,746,000 | 10,252,000 | 14,171,000 |
| Noninterest income | 49,000 | 144,000 | 213,000 | 287,000 |
| Noninterest expense | 2,268,000 | 4,543,000 | 6,629,000 | 8,779,000 |
| Provision for loan losses | 0 | 0 | 100,000 | -400,000 |
| Pretax income | 1,198,000 | 2,347,000 | 3,736,000 | 6,079,000 |
| Income tax | 777,000 | 1,261,000 | 1,892,000 | 3,021,000 |
| Net income | 421,000 | 1,086,000 | 1,844,000 | 3,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,951,000 | 109,616,000 | 110,375,000 | 111,588,000 |
| Total capital | 113,945,000 | 114,575,000 | 115,738,000 | 117,105,000 |
| Risk-weighted assets | 397,224,000 | 395,295,000 | 427,990,000 | 440,730,000 |