Call reports 2005
FIRST COMMERCIAL BANK OF HUNTSVILLE — 2005
What FIRST COMMERCIAL BANK OF HUNTSVILLE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 451,417,000 | 444,585,000 | 458,967,000 | 473,307,000 |
| Total loans | 366,690,000 | 357,204,000 | 360,335,000 | 367,115,000 |
| Allowance for loan losses | 4,960,000 | 5,120,000 | 4,782,000 | 5,017,000 |
| Securities available for sale | 61,075,000 | 59,783,000 | 66,558,000 | 74,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,815,000 | 360,755,000 | 379,141,000 | 387,813,000 |
| Interest-bearing deposits | 292,074,000 | 296,788,000 | 313,731,000 | 323,459,000 |
| Noninterest-bearing deposits | 62,741,000 | 63,967,000 | 65,410,000 | 64,354,000 |
| Equity capital | 39,860,000 | 40,775,000 | 41,035,000 | 41,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,050,000 | 12,383,000 | 18,946,000 | 26,081,000 |
| Interest expense | 2,006,000 | 4,237,000 | 6,632,000 | 9,290,000 |
| Net interest income | 4,044,000 | 8,146,000 | 12,314,000 | 16,791,000 |
| Noninterest income | 591,000 | 1,142,000 | 1,740,000 | 2,395,000 |
| Noninterest expense | 1,947,000 | 3,900,000 | 5,997,000 | 8,052,000 |
| Provision for loan losses | 355,000 | 620,000 | 670,000 | 970,000 |
| Pretax income | 2,333,000 | 4,768,000 | 7,387,000 | 10,164,000 |
| Income tax | 827,000 | 1,696,000 | 2,645,000 | 3,631,000 |
| Net income | 1,506,000 | 3,072,000 | 4,742,000 | 6,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,221,000 | 40,842,000 | 41,322,000 | 42,106,000 |
| Total capital | 45,181,000 | 45,962,000 | 46,104,000 | 47,124,000 |
| Risk-weighted assets | 441,846,000 | 432,678,000 | 444,816,000 | 454,305,000 |