Call reports 2006
FIRST COMMERCIAL BANK — 2006
What FIRST COMMERCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 323,029,000 | 331,809,000 | 334,903,000 | 339,254,000 |
| Total loans | 261,295,000 | 269,092,000 | 273,257,000 | 270,465,000 |
| Allowance for loan losses | 3,677,000 | 3,877,000 | 4,126,000 | 2,661,000 |
| Securities available for sale | 4,457,000 | 4,180,000 | 3,910,000 | 3,697,000 |
| Securities held to maturity | 39,432,000 | 39,083,000 | 39,084,000 | 39,085,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,500,000 | 278,349,000 | 282,434,000 | 289,872,000 |
| Interest-bearing deposits | 234,809,000 | 240,502,000 | 251,107,000 | 254,308,000 |
| Noninterest-bearing deposits | 33,691,000 | 37,847,000 | 31,327,000 | 35,564,000 |
| Equity capital | 24,016,000 | 25,346,000 | 26,673,000 | 27,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,091,000 | 12,608,000 | 19,291,000 | 25,910,000 |
| Interest expense | 2,217,000 | 4,651,000 | 7,377,000 | 10,254,000 |
| Net interest income | 3,874,000 | 7,957,000 | 11,914,000 | 15,656,000 |
| Noninterest income | 255,000 | 567,000 | 894,000 | 1,187,000 |
| Noninterest expense | 2,006,000 | 4,059,000 | 5,984,000 | 7,426,000 |
| Provision for loan losses | 175,000 | 375,000 | 600,000 | 1,350,000 |
| Pretax income | 1,948,000 | 4,090,000 | 6,224,000 | 8,067,000 |
| Income tax | 737,000 | 1,548,000 | 2,360,000 | 3,067,000 |
| Net income | 1,211,000 | 2,542,000 | 3,864,000 | 5,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,026,000 | 25,354,000 | 26,680,000 | 27,416,000 |
| Total capital | 27,457,000 | 28,904,000 | 30,296,000 | 30,077,000 |
| Risk-weighted assets | 274,209,000 | 283,686,000 | 288,756,000 | 287,192,000 |