Call reports 2005
FIRST COMMERCIAL BANK — 2005
What FIRST COMMERCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 258,829,000 | 276,600,000 | 288,302,000 | 311,791,000 |
| Total loans | 196,826,000 | 203,277,000 | 231,047,000 | 243,522,000 |
| Allowance for loan losses | 2,476,000 | 2,827,000 | 3,231,000 | 3,527,000 |
| Securities available for sale | 5,765,000 | 5,551,000 | 5,337,000 | 4,828,000 |
| Securities held to maturity | 39,270,000 | 39,430,000 | 39,431,000 | 39,432,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,959,000 | 231,822,000 | 239,484,000 | 259,755,000 |
| Interest-bearing deposits | 187,101,000 | 197,930,000 | 202,783,000 | 220,314,000 |
| Noninterest-bearing deposits | 27,858,000 | 33,892,000 | 36,701,000 | 39,441,000 |
| Equity capital | 18,273,000 | 19,240,000 | 22,431,000 | 22,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,042,000 | 9,456,000 | 14,892,000 | 20,581,000 |
| Interest expense | 1,041,000 | 2,271,000 | 3,714,000 | 5,535,000 |
| Net interest income | 3,001,000 | 7,185,000 | 11,178,000 | 15,046,000 |
| Noninterest income | 212,000 | 475,000 | 761,000 | 965,000 |
| Noninterest expense | 1,495,000 | 4,021,000 | 6,035,000 | 7,923,000 |
| Provision for loan losses | 205,000 | 555,000 | 1,000,000 | 1,300,000 |
| Pretax income | 1,513,000 | 3,095,000 | 4,915,000 | 6,799,000 |
| Income tax | 562,000 | 1,186,000 | 1,854,000 | 2,599,000 |
| Net income | 951,000 | 1,909,000 | 3,061,000 | 4,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,266,000 | 19,225,000 | 22,377,000 | 22,816,000 |
| Total capital | 20,742,000 | 21,908,000 | 25,366,000 | 26,001,000 |
| Risk-weighted assets | 206,063,000 | 214,416,000 | 238,858,000 | 254,462,000 |