Call reports 2020
FIRST COMMERCIAL BANK (U.S.A) — 2020
What FIRST COMMERCIAL BANK (U.S.A) reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 720,082,000 | 733,413,000 | 746,448,000 | 766,539,000 |
| Total loans | 617,911,000 | 636,398,000 | 628,761,000 | 660,803,000 |
| Allowance for loan losses | 6,328,000 | 6,933,000 | 7,213,000 | 7,233,000 |
| Securities available for sale | 25,859,000 | 28,126,000 | 28,367,000 | 28,616,000 |
| Securities held to maturity | 6,855,000 | 6,570,000 | 7,083,000 | 6,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 499,923,000 | 508,990,000 | 521,153,000 | 534,219,000 |
| Interest-bearing deposits | 436,474,000 | 435,685,000 | 432,849,000 | 452,580,000 |
| Noninterest-bearing deposits | 63,449,000 | 73,305,000 | 88,304,000 | 81,639,000 |
| Equity capital | 133,945,000 | 136,887,000 | 138,583,000 | 140,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,965,000 | 13,220,000 | 19,329,000 | 25,429,000 |
| Interest expense | 1,915,000 | 3,323,000 | 4,405,000 | 5,278,000 |
| Net interest income | 5,050,000 | 9,897,000 | 14,924,000 | 20,151,000 |
| Noninterest income | 121,000 | 297,000 | 400,000 | 487,000 |
| Noninterest expense | 2,675,000 | 5,200,000 | 7,897,000 | 10,878,000 |
| Provision for loan losses | -340,000 | 265,000 | 545,000 | 565,000 |
| Pretax income | 2,942,000 | 4,835,000 | 6,988,000 | 9,301,000 |
| Income tax | 892,000 | 1,443,000 | 2,088,000 | 2,766,000 |
| Net income | 2,050,000 | 3,392,000 | 4,900,000 | 6,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,662,000 | 137,004,000 | 138,511,000 | 140,146,000 |
| Total capital | 142,190,000 | 144,137,000 | 145,609,000 | 147,522,000 |
| Risk-weighted assets | 562,436,000 | 586,621,000 | 567,540,000 | 590,027,000 |