Call reports 2006
FIRST COMMERCIAL BANK — 2006
What FIRST COMMERCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 178,514,000 | 179,501,000 | 199,055,000 | 191,422,000 |
| Total loans | 138,365,000 | 137,739,000 | 137,671,000 | 134,630,000 |
| Allowance for loan losses | 1,034,000 | 1,095,000 | 1,135,000 | 1,164,000 |
| Securities available for sale | 16,931,000 | 19,959,000 | 29,397,000 | 15,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,914,000 | 148,546,000 | 162,381,000 | 162,561,000 |
| Interest-bearing deposits | 104,678,000 | 111,761,000 | 126,972,000 | 124,799,000 |
| Noninterest-bearing deposits | 35,236,000 | 36,785,000 | 35,410,000 | 37,762,000 |
| Equity capital | 15,100,000 | 15,597,000 | 16,188,000 | 16,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,894,000 | 6,097,000 | 9,474,000 | 13,000,000 |
| Interest expense | 1,092,000 | 2,300,000 | 3,657,000 | 5,188,000 |
| Net interest income | 1,802,000 | 3,797,000 | 5,817,000 | 7,812,000 |
| Noninterest income | 595,000 | 1,357,000 | 2,156,000 | 2,798,000 |
| Noninterest expense | 1,732,000 | 3,548,000 | 5,392,000 | 7,254,000 |
| Provision for loan losses | 223,000 | 318,000 | 398,000 | 479,000 |
| Pretax income | 442,000 | 1,288,000 | 2,183,000 | 2,877,000 |
| Income tax | 161,000 | 485,000 | 812,000 | 1,079,000 |
| Net income | 281,000 | 803,000 | 1,371,000 | 1,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,910,000 | 14,421,000 | 14,985,000 | 15,388,000 |
| Total capital | 14,944,000 | 15,516,000 | 16,120,000 | 16,552,000 |
| Risk-weighted assets | 136,799,000 | 134,859,000 | 139,852,000 | 128,530,000 |