Call reports 2008
FIRST COMMERCIAL BANK — 2008
What FIRST COMMERCIAL 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 | 198,042,000 | 204,646,000 | 215,560,000 | 222,665,000 |
| Total loans | 148,985,000 | 158,876,000 | 173,923,000 | 183,611,000 |
| Allowance for loan losses | 1,197,000 | 1,288,000 | 1,307,000 | 1,750,000 |
| Securities available for sale | 26,098,000 | 20,464,000 | 18,370,000 | 18,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,956,000 | 169,164,000 | 168,454,000 | 180,148,000 |
| Interest-bearing deposits | 125,546,000 | 129,068,000 | 130,171,000 | 143,495,000 |
| Noninterest-bearing deposits | 35,410,000 | 40,096,000 | 38,283,000 | 36,653,000 |
| Equity capital | 18,724,000 | 18,863,000 | 19,212,000 | 21,623,000 |
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 | 3,278,000 | 6,335,000 | 9,492,000 | 12,645,000 |
| Interest expense | 1,310,000 | 2,437,000 | 3,551,000 | 4,650,000 |
| Net interest income | 1,968,000 | 3,898,000 | 5,941,000 | 7,995,000 |
| Noninterest income | 601,000 | 1,616,000 | 2,353,000 | 3,116,000 |
| Noninterest expense | 2,232,000 | 4,507,000 | 6,759,000 | 9,291,000 |
| Provision for loan losses | 90,000 | 237,000 | 477,000 | 985,000 |
| Pretax income | 247,000 | 770,000 | 1,058,000 | 836,000 |
| Income tax | 124,000 | 262,000 | 373,000 | 214,000 |
| Net income | 123,000 | 508,000 | 685,000 | 622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,082,000 | 17,547,000 | 17,793,000 | 19,834,000 |
| Total capital | 18,279,000 | 18,835,000 | 19,100,000 | 21,584,000 |
| Risk-weighted assets | 163,538,000 | 169,109,000 | 180,309,000 | 194,750,000 |