Call reports 2008
FIRST COMMERCE BANK — 2008
What FIRST COMMERCE BANK 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 | 34,300,000 | 35,802,000 | 36,024,000 | 38,090,000 |
| Total loans | 31,150,000 | 31,862,000 | 32,147,000 | 33,013,000 |
| Allowance for loan losses | 324,000 | 344,000 | 354,000 | 409,000 |
| Securities available for sale | 1,046,000 | 1,027,000 | 1,022,000 | 1,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,807,000 | 24,159,000 | 26,191,000 | 26,517,000 |
| Interest-bearing deposits | 22,019,000 | 21,830,000 | 24,037,000 | 23,467,000 |
| Noninterest-bearing deposits | 2,788,000 | 2,329,000 | 2,154,000 | 3,050,000 |
| Equity capital | 3,569,000 | 3,735,000 | 3,914,000 | 5,080,000 |
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 | 582,000 | 1,166,000 | 1,757,000 | 2,328,000 |
| Interest expense | 224,000 | 443,000 | 668,000 | 872,000 |
| Net interest income | 358,000 | 723,000 | 1,089,000 | 1,456,000 |
| Noninterest income | 36,000 | 88,000 | 129,000 | 178,000 |
| Noninterest expense | 198,000 | 402,000 | 607,000 | 814,000 |
| Provision for loan losses | 5,000 | 25,000 | 35,000 | 90,000 |
| Pretax income | 191,000 | 384,000 | 576,000 | 730,000 |
| Income tax | 7,000 | 14,000 | 22,000 | 29,000 |
| Net income | 184,000 | 370,000 | 554,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,522,000 | 3,707,000 | 3,891,000 | 5,038,000 |
| Total capital | 3,846,000 | 4,049,000 | 4,233,000 | 5,391,000 |
| Risk-weighted assets | 26,278,000 | 27,327,000 | 27,361,000 | 28,213,000 |