Call reports 2013
FIRST COMMERCIAL BANK — 2013
What FIRST COMMERCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 323,105,000 | 303,686,000 | 315,167,000 | 307,305,000 |
| Total loans | 216,476,000 | 224,225,000 | 223,998,000 | 218,319,000 |
| Allowance for loan losses | 3,597,000 | 3,777,000 | 3,844,000 | 5,395,000 |
| Securities available for sale | 29,633,000 | 30,303,000 | 28,287,000 | 36,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,637,000 | 259,004,000 | 267,587,000 | 265,899,000 |
| Interest-bearing deposits | 197,513,000 | 195,921,000 | 202,340,000 | 202,989,000 |
| Noninterest-bearing deposits | 77,124,000 | 63,083,000 | 65,247,000 | 62,910,000 |
| Equity capital | 35,645,000 | 36,003,000 | 36,480,000 | 33,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,338,000 | 6,594,000 | 9,927,000 | 13,282,000 |
| Interest expense | 429,000 | 830,000 | 1,224,000 | 1,593,000 |
| Net interest income | 2,909,000 | 5,764,000 | 8,703,000 | 11,689,000 |
| Noninterest income | 1,182,000 | 2,002,000 | 2,812,000 | 3,581,000 |
| Noninterest expense | 2,776,000 | 5,487,000 | 8,358,000 | 11,200,000 |
| Provision for loan losses | 160,000 | 368,000 | 528,000 | 5,885,000 |
| Pretax income | 1,155,000 | 1,911,000 | 2,629,000 | -1,815,000 |
| Income tax | 402,000 | 655,000 | 888,000 | -822,000 |
| Net income | 753,000 | 1,256,000 | 1,741,000 | -993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,881,000 | 32,320,000 | 32,763,000 | 29,256,000 |
| Total capital | 34,842,000 | 35,278,000 | 35,755,000 | 32,205,000 |
| Risk-weighted assets | 236,379,000 | 235,793,000 | 237,776,000 | 233,479,000 |