Call reports 2005
FIRST COMMERCIAL BANK — 2005
What FIRST COMMERCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 160,845,000 | 173,045,000 | 181,230,000 | 176,104,000 |
| Total loans | 125,919,000 | 129,018,000 | 135,252,000 | 141,775,000 |
| Allowance for loan losses | 1,066,000 | 1,130,000 | 1,220,000 | 1,223,000 |
| Securities available for sale | 13,132,000 | 19,435,000 | 25,309,000 | 12,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,781,000 | 127,751,000 | 125,652,000 | 134,283,000 |
| Interest-bearing deposits | 89,195,000 | 94,202,000 | 92,187,000 | 97,956,000 |
| Noninterest-bearing deposits | 32,586,000 | 33,549,000 | 33,465,000 | 36,327,000 |
| Equity capital | 14,671,000 | 14,956,000 | 15,267,000 | 14,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,226,000 | 4,599,000 | 7,235,000 | 10,105,000 |
| Interest expense | 598,000 | 1,341,000 | 2,242,000 | 3,275,000 |
| Net interest income | 1,628,000 | 3,258,000 | 4,993,000 | 6,830,000 |
| Noninterest income | 497,000 | 1,005,000 | 1,586,000 | 2,168,000 |
| Noninterest expense | 1,648,000 | 3,287,000 | 4,997,000 | 6,790,000 |
| Provision for loan losses | 114,000 | 185,000 | 281,000 | 352,000 |
| Pretax income | 363,000 | 791,000 | 1,301,000 | 1,856,000 |
| Income tax | 160,000 | 312,000 | 495,000 | 712,000 |
| Net income | 203,000 | 479,000 | 806,000 | 1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,270,000 | 13,582,000 | 13,903,000 | 13,515,000 |
| Total capital | 14,336,000 | 14,712,000 | 15,123,000 | 14,738,000 |
| Risk-weighted assets | 127,805,000 | 128,078,000 | 135,202,000 | 138,346,000 |