Call reports 2010
FIRST COMMERCIAL BANK — 2010
What FIRST COMMERCIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 304,349,000 | 306,260,000 | 278,237,000 | 268,597,000 |
| Total loans | 262,663,000 | 249,517,000 | 240,981,000 | 228,650,000 |
| Allowance for loan losses | 10,997,000 | 7,096,000 | 6,211,000 | 5,090,000 |
| Securities available for sale | 9,875,000 | 9,615,000 | 4,442,000 | 1,815,000 |
| Securities held to maturity | 9,009,000 | 3,714,000 | 3,512,000 | 3,512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,590,000 | 246,242,000 | 234,715,000 | 218,563,000 |
| Interest-bearing deposits | 200,169,000 | 196,362,000 | 189,300,000 | 179,962,000 |
| Noninterest-bearing deposits | 34,421,000 | 49,879,000 | 45,415,000 | 38,600,000 |
| Equity capital | 22,923,000 | 26,521,000 | 23,281,000 | 25,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,646,000 | 7,192,000 | 10,506,000 | 13,574,000 |
| Interest expense | 791,000 | 1,451,000 | 1,977,000 | 2,392,000 |
| Net interest income | 2,855,000 | 5,741,000 | 8,529,000 | 11,182,000 |
| Noninterest income | 230,000 | 32,000 | -2,669,000 | -3,133,000 |
| Noninterest expense | 3,984,000 | 7,129,000 | 6,334,000 | 9,105,000 |
| Provision for loan losses | 8,496,000 | 11,773,000 | 17,973,000 | 22,313,000 |
| Pretax income | -9,395,000 | -13,124,000 | -18,119,000 | -23,009,000 |
| Income tax | -3,207,000 | -4,453,000 | -6,253,000 | -7,977,000 |
| Net income | -6,188,000 | -8,671,000 | -11,866,000 | -15,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,740,000 | 26,456,000 | 22,943,000 | 25,796,000 |
| Total capital | 26,421,000 | 29,518,000 | 25,786,000 | 28,519,000 |
| Risk-weighted assets | 276,264,000 | 237,279,000 | 224,069,000 | 215,516,000 |