Call reports 2006
FIRST COMMERCIAL BANK OF HUNTSVILLE — 2006
What FIRST COMMERCIAL BANK OF HUNTSVILLE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 484,672,000 | 497,521,000 | 505,115,000 | 526,513,000 |
| Total loans | 375,561,000 | 394,881,000 | 403,561,000 | 426,630,000 |
| Allowance for loan losses | 4,985,000 | 5,288,000 | 5,579,000 | 5,889,000 |
| Securities available for sale | 77,532,000 | 71,467,000 | 72,206,000 | 70,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 389,863,000 | 451,884,000 | 428,022,000 | 469,453,000 |
| Interest-bearing deposits | 311,462,000 | 410,517,000 | 390,014,000 | 432,855,000 |
| Noninterest-bearing deposits | 78,401,000 | 41,367,000 | 38,008,000 | 36,598,000 |
| Equity capital | 42,510,000 | 43,385,000 | 45,562,000 | 46,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,618,000 | 15,894,000 | 24,813,000 | 33,997,000 |
| Interest expense | 2,894,000 | 6,206,000 | 9,950,000 | 13,868,000 |
| Net interest income | 4,724,000 | 9,688,000 | 14,863,000 | 20,129,000 |
| Noninterest income | 651,000 | 1,283,000 | 1,949,000 | 2,619,000 |
| Noninterest expense | 2,299,000 | 4,758,000 | 7,277,000 | 9,795,000 |
| Provision for loan losses | 455,000 | 755,000 | 1,035,000 | 1,370,000 |
| Pretax income | 2,621,000 | 5,458,000 | 8,500,000 | 11,583,000 |
| Income tax | 948,000 | 1,978,000 | 3,083,000 | 4,214,000 |
| Net income | 1,673,000 | 3,480,000 | 5,417,000 | 7,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,418,000 | 44,604,000 | 45,925,000 | 47,261,000 |
| Total capital | 48,403,000 | 49,892,000 | 51,504,000 | 53,150,000 |
| Risk-weighted assets | 458,131,000 | 474,058,000 | 478,952,000 | 511,678,000 |