Call reports 2008
FIRST COMMERCIAL BANK — 2008
What FIRST COMMERCIAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 336,107,000 | 333,087,000 | 302,686,000 | 324,665,000 |
| Total loans | 294,784,000 | 289,433,000 | 262,264,000 | 279,881,000 |
| Allowance for loan losses | 3,303,000 | 3,253,000 | 3,374,000 | 3,204,000 |
| Securities available for sale | 7,838,000 | 12,240,000 | 9,228,000 | 8,467,000 |
| Securities held to maturity | 15,200,000 | 15,198,000 | 15,198,000 | 15,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,527,000 | 273,802,000 | 269,975,000 | 268,490,000 |
| Interest-bearing deposits | 243,678,000 | 239,189,000 | 229,659,000 | 234,337,000 |
| Noninterest-bearing deposits | 31,849,000 | 34,612,000 | 40,316,000 | 34,153,000 |
| Equity capital | 29,657,000 | 30,085,000 | 28,681,000 | 27,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,003,000 | 11,217,000 | 16,172,000 | 20,934,000 |
| Interest expense | 2,410,000 | 4,384,000 | 6,298,000 | 7,949,000 |
| Net interest income | 3,593,000 | 6,833,000 | 9,874,000 | 12,985,000 |
| Noninterest income | 247,000 | 469,000 | 697,000 | 932,000 |
| Noninterest expense | 1,839,000 | 4,020,000 | 5,772,000 | 8,252,000 |
| Provision for loan losses | 600,000 | 748,000 | 992,000 | 2,508,000 |
| Pretax income | 1,430,000 | 2,578,000 | 3,851,000 | 3,201,000 |
| Income tax | 530,000 | 936,000 | 1,406,000 | 1,099,000 |
| Net income | 900,000 | 1,642,000 | 2,445,000 | 2,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,717,000 | 30,458,000 | 28,681,000 | 27,952,000 |
| Total capital | 33,020,000 | 33,711,000 | 32,055,000 | 31,156,000 |
| Risk-weighted assets | 305,940,000 | 304,054,000 | 275,836,000 | 287,373,000 |