Call reports 2009
FIRST COMMERCIAL BANK — 2009
What FIRST COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 238,453,000 | 245,226,000 | 254,870,000 | 267,270,000 |
| Total loans | 191,101,000 | 198,791,000 | 199,644,000 | 211,018,000 |
| Allowance for loan losses | 1,614,000 | 1,836,000 | 2,010,000 | 2,044,000 |
| Securities available for sale | 17,297,000 | 16,683,000 | 13,963,000 | 15,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,315,000 | 206,233,000 | 215,505,000 | 227,412,000 |
| Interest-bearing deposits | 159,905,000 | 163,968,000 | 171,628,000 | 177,881,000 |
| Noninterest-bearing deposits | 42,410,000 | 42,265,000 | 43,877,000 | 49,531,000 |
| Equity capital | 21,584,000 | 25,007,000 | 25,374,000 | 25,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,125,000 | 6,548,000 | 9,919,000 | 13,446,000 |
| Interest expense | 1,119,000 | 2,205,000 | 3,255,000 | 4,234,000 |
| Net interest income | 2,006,000 | 4,343,000 | 6,664,000 | 9,212,000 |
| Noninterest income | 641,000 | 1,378,000 | 2,230,000 | 3,095,000 |
| Noninterest expense | 2,365,000 | 4,921,000 | 7,300,000 | 9,859,000 |
| Provision for loan losses | 330,000 | 660,000 | 990,000 | 1,320,000 |
| Pretax income | -48,000 | 140,000 | 604,000 | 1,128,000 |
| Income tax | -13,000 | 28,000 | 186,000 | 376,000 |
| Net income | -35,000 | 112,000 | 418,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,451,000 | 22,922,000 | 23,143,000 | 23,555,000 |
| Total capital | 21,065,000 | 24,758,000 | 25,153,000 | 25,599,000 |
| Risk-weighted assets | 201,811,000 | 207,952,000 | 211,997,000 | 223,335,000 |