Call reports 2007
FIRST COMMERCIAL BANK — 2007
What FIRST COMMERCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 332,357,000 | 337,913,000 | 331,251,000 | 338,811,000 |
| Total loans | 261,926,000 | 266,663,000 | 273,787,000 | 281,951,000 |
| Allowance for loan losses | 2,797,000 | 2,808,000 | 2,608,000 | 2,700,000 |
| Securities available for sale | 3,553,000 | 3,424,000 | 3,112,000 | 2,879,000 |
| Securities held to maturity | 39,086,000 | 39,085,000 | 39,088,000 | 35,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,105,000 | 287,986,000 | 273,235,000 | 273,495,000 |
| Interest-bearing deposits | 248,370,000 | 251,265,000 | 238,088,000 | 238,627,000 |
| Noninterest-bearing deposits | 34,735,000 | 36,722,000 | 35,147,000 | 34,868,000 |
| Equity capital | 26,420,000 | 27,484,000 | 28,623,000 | 28,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,538,000 | 13,101,000 | 19,588,000 | 25,794,000 |
| Interest expense | 2,920,000 | 5,858,000 | 8,683,000 | 11,269,000 |
| Net interest income | 3,618,000 | 7,243,000 | 10,905,000 | 14,525,000 |
| Noninterest income | 307,000 | 554,000 | 820,000 | 1,113,000 |
| Noninterest expense | 2,197,000 | 4,363,000 | 6,447,000 | 8,254,000 |
| Provision for loan losses | 125,000 | 125,000 | 125,000 | 334,000 |
| Pretax income | 1,603,000 | 3,309,000 | 5,153,000 | 7,061,000 |
| Income tax | 599,000 | 1,243,000 | 1,940,000 | 2,660,000 |
| Net income | 1,004,000 | 2,066,000 | 3,213,000 | 4,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,420,000 | 27,480,000 | 28,629,000 | 28,818,000 |
| Total capital | 29,217,000 | 30,288,000 | 31,237,000 | 31,518,000 |
| Risk-weighted assets | 279,841,000 | 234,829,000 | 285,782,000 | 293,572,000 |