Call reports 2008
FIRST COMMERCIAL BANK OF HUNTSVILLE — 2008
What FIRST COMMERCIAL BANK OF HUNTSVILLE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 657,752,000 | 648,146,000 | 657,655,000 | 650,752,000 |
| Total loans | 535,813,000 | 525,925,000 | 518,240,000 | 529,680,000 |
| Allowance for loan losses | 7,089,000 | 7,590,000 | 8,361,000 | 9,753,000 |
| Securities available for sale | 89,734,000 | 90,371,000 | 91,306,000 | 89,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 476,764,000 | 496,219,000 | 530,205,000 | 521,790,000 |
| Interest-bearing deposits | 458,515,000 | 478,133,000 | 511,791,000 | 456,746,000 |
| Noninterest-bearing deposits | 18,249,000 | 18,086,000 | 18,414,000 | 65,044,000 |
| Equity capital | 59,999,000 | 59,608,000 | 59,777,000 | 61,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,995,000 | 19,093,000 | 28,056,000 | 36,758,000 |
| Interest expense | 4,287,000 | 7,562,000 | 10,772,000 | 13,824,000 |
| Net interest income | 5,708,000 | 11,531,000 | 17,284,000 | 22,934,000 |
| Noninterest income | 832,000 | 1,931,000 | 2,844,000 | 3,902,000 |
| Noninterest expense | 3,196,000 | 5,974,000 | 8,824,000 | 11,773,000 |
| Provision for loan losses | -259,000 | 451,000 | 1,317,000 | 2,950,000 |
| Pretax income | 3,603,000 | 7,037,000 | 9,987,000 | 12,113,000 |
| Income tax | 1,320,000 | 2,581,000 | 3,652,000 | 4,376,000 |
| Net income | 2,283,000 | 4,456,000 | 6,335,000 | 7,737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,335,000 | 59,123,000 | 59,194,000 | 59,000,000 |
| Total capital | 65,424,000 | 66,810,000 | 67,055,000 | 66,769,000 |
| Risk-weighted assets | 638,398,000 | 622,344,000 | 628,370,000 | 619,463,000 |