Call reports 2007
FIRST COMMERCIAL BANK OF HUNTSVILLE — 2007
What FIRST COMMERCIAL BANK OF HUNTSVILLE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 546,458,000 | 553,845,000 | 594,068,000 | 631,611,000 |
| Total loans | 441,585,000 | 445,315,000 | 483,700,000 | 516,925,000 |
| Allowance for loan losses | 6,033,000 | 5,742,000 | 6,331,000 | 7,516,000 |
| Securities available for sale | 74,458,000 | 73,552,000 | 79,406,000 | 80,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,919,000 | 438,385,000 | 466,209,000 | 478,320,000 |
| Interest-bearing deposits | 389,719,000 | 396,232,000 | 447,269,000 | 459,040,000 |
| Noninterest-bearing deposits | 47,200,000 | 42,153,000 | 18,940,000 | 19,280,000 |
| Equity capital | 52,054,000 | 52,556,000 | 54,624,000 | 57,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,354,000 | 19,083,000 | 29,349,000 | 39,862,000 |
| Interest expense | 4,182,000 | 8,651,000 | 13,503,000 | 18,340,000 |
| Net interest income | 5,172,000 | 10,432,000 | 15,846,000 | 21,522,000 |
| Noninterest income | 729,000 | 1,595,000 | 2,409,000 | 3,336,000 |
| Noninterest expense | 2,651,000 | 5,631,000 | 8,458,000 | 11,304,000 |
| Provision for loan losses | 260,000 | 8,000 | 728,000 | 2,142,000 |
| Pretax income | 2,990,000 | 6,391,000 | 9,072,000 | 11,415,000 |
| Income tax | 1,087,000 | 2,337,000 | 3,314,000 | 4,248,000 |
| Net income | 1,903,000 | 4,054,000 | 5,758,000 | 7,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,206,000 | 53,254,000 | 54,596,000 | 56,994,000 |
| Total capital | 58,239,000 | 58,996,000 | 60,927,000 | 64,510,000 |
| Risk-weighted assets | 531,038,000 | 561,268,000 | 593,177,000 | 622,273,000 |