Call reports 2009
FIRST COMMERCIAL BANK — 2009
What FIRST COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 334,751,000 | 335,079,000 | 325,226,000 | 315,244,000 |
| Total loans | 294,415,000 | 292,186,000 | 276,037,000 | 271,596,000 |
| Allowance for loan losses | 2,132,000 | 4,221,000 | 4,811,000 | 3,216,000 |
| Securities available for sale | 7,242,000 | 8,958,000 | 9,345,000 | 9,645,000 |
| Securities held to maturity | 9,204,000 | 9,204,000 | 9,204,000 | 9,204,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,129,000 | 251,816,000 | 249,943,000 | 231,355,000 |
| Interest-bearing deposits | 230,802,000 | 217,627,000 | 213,457,000 | 199,271,000 |
| Noninterest-bearing deposits | 35,326,000 | 34,189,000 | 36,486,000 | 32,084,000 |
| Equity capital | 27,669,000 | 28,319,000 | 28,659,000 | 28,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,771,000 | 9,201,000 | 13,360,000 | 16,967,000 |
| Interest expense | 1,483,000 | 2,815,000 | 4,070,000 | 5,083,000 |
| Net interest income | 3,288,000 | 6,386,000 | 9,290,000 | 11,884,000 |
| Noninterest income | 299,000 | 575,000 | 447,000 | 652,000 |
| Noninterest expense | 2,075,000 | 3,784,000 | 5,711,000 | 7,568,000 |
| Provision for loan losses | 855,000 | 3,331,000 | 4,236,000 | 18,929,000 |
| Pretax income | 666,000 | -145,000 | -201,000 | -13,958,000 |
| Income tax | 212,000 | -164,000 | -222,000 | -5,002,000 |
| Net income | 454,000 | 19,000 | 21,000 | -8,956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,669,000 | 28,321,000 | 28,659,000 | 28,925,000 |
| Total capital | 29,801,000 | 32,055,000 | 32,315,000 | 32,187,000 |
| Risk-weighted assets | 264,801,000 | 300,632,000 | 291,335,000 | 277,566,000 |