Call reports 2007
FIRST COMMERCIAL BANK — 2007
What FIRST COMMERCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 196,002,000 | 191,068,000 | 188,760,000 | 199,781,000 |
| Total loans | 132,660,000 | 134,884,000 | 135,478,000 | 148,852,000 |
| Allowance for loan losses | 1,231,000 | 1,140,000 | 1,177,000 | 1,158,000 |
| Securities available for sale | 23,463,000 | 23,030,000 | 26,615,000 | 27,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,989,000 | 166,586,000 | 157,745,000 | 157,226,000 |
| Interest-bearing deposits | 132,470,000 | 129,694,000 | 124,987,000 | 125,125,000 |
| Noninterest-bearing deposits | 35,520,000 | 36,892,000 | 32,758,000 | 32,101,000 |
| Equity capital | 16,960,000 | 17,425,000 | 18,112,000 | 18,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,360,000 | 6,781,000 | 10,195,000 | 13,504,000 |
| Interest expense | 1,518,000 | 2,997,000 | 4,438,000 | 5,826,000 |
| Net interest income | 1,842,000 | 3,784,000 | 5,757,000 | 7,678,000 |
| Noninterest income | 682,000 | 1,420,000 | 2,178,000 | 2,833,000 |
| Noninterest expense | 1,848,000 | 3,710,000 | 5,675,000 | 7,708,000 |
| Provision for loan losses | 63,000 | 126,000 | 189,000 | 252,000 |
| Pretax income | 613,000 | 1,368,000 | 2,071,000 | 2,552,000 |
| Income tax | 272,000 | 480,000 | 788,000 | 882,000 |
| Net income | 341,000 | 888,000 | 1,283,000 | 1,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,750,000 | 16,307,000 | 16,941,000 | 17,496,000 |
| Total capital | 16,981,000 | 17,447,000 | 18,118,000 | 18,654,000 |
| Risk-weighted assets | 141,571,000 | 144,981,000 | 149,220,000 | 161,191,000 |