Call reports 2009
FIRST COMMERCIAL BANK OF HUNTSVILLE — 2009
What FIRST COMMERCIAL BANK OF HUNTSVILLE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 666,661,000 | 670,153,000 | 712,671,000 | 727,872,000 |
| Total loans | 537,278,000 | 526,378,000 | 525,508,000 | 525,315,000 |
| Allowance for loan losses | 10,596,000 | 11,820,000 | 12,819,000 | 14,103,000 |
| Securities available for sale | 90,759,000 | 84,555,000 | 71,038,000 | 71,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 533,770,000 | 556,327,000 | 599,506,000 | 616,155,000 |
| Interest-bearing deposits | 466,207,000 | 483,391,000 | 520,456,000 | 536,099,000 |
| Noninterest-bearing deposits | 67,563,000 | 72,936,000 | 79,050,000 | 80,056,000 |
| Equity capital | 61,623,000 | 61,466,000 | 61,298,000 | 59,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,120,000 | 16,263,000 | 24,626,000 | 32,917,000 |
| Interest expense | 2,117,000 | 4,199,000 | 6,281,000 | 8,263,000 |
| Net interest income | 6,003,000 | 12,064,000 | 18,345,000 | 24,654,000 |
| Noninterest income | 902,000 | 1,875,000 | 2,781,000 | 3,725,000 |
| Noninterest expense | 2,927,000 | 6,306,000 | 9,641,000 | 13,070,000 |
| Provision for loan losses | 1,273,000 | 2,472,000 | 4,817,000 | 6,219,000 |
| Pretax income | 2,705,000 | 5,161,000 | 7,167,000 | 9,589,000 |
| Income tax | 990,000 | 1,887,000 | 2,614,000 | 3,630,000 |
| Net income | 1,715,000 | 3,274,000 | 4,553,000 | 5,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,273,000 | 59,400,000 | 59,212,000 | 58,182,000 |
| Total capital | 67,093,000 | 67,147,000 | 66,879,000 | 65,770,000 |
| Risk-weighted assets | 622,794,000 | 615,623,000 | 608,105,000 | 600,474,000 |