Call reports 2014
FIRST COMMERCIAL BANK — 2014
What FIRST COMMERCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 311,036,000 | 305,908,000 | 301,858,000 | 303,288,000 |
| Total loans | 221,395,000 | 217,787,000 | 219,148,000 | 215,027,000 |
| Allowance for loan losses | 5,600,000 | 5,565,000 | 5,570,000 | 3,795,000 |
| Securities available for sale | 39,571,000 | 39,941,000 | 39,290,000 | 39,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,256,000 | 261,169,000 | 256,208,000 | 258,526,000 |
| Interest-bearing deposits | 198,752,000 | 195,001,000 | 183,946,000 | 191,295,000 |
| Noninterest-bearing deposits | 66,504,000 | 66,168,000 | 72,262,000 | 67,231,000 |
| Equity capital | 33,781,000 | 34,429,000 | 34,945,000 | 35,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,232,000 | 6,472,000 | 9,656,000 | 12,876,000 |
| Interest expense | 340,000 | 672,000 | 986,000 | 1,279,000 |
| Net interest income | 2,892,000 | 5,800,000 | 8,670,000 | 11,597,000 |
| Noninterest income | 558,000 | 1,218,000 | 1,879,000 | 2,527,000 |
| Noninterest expense | 2,597,000 | 5,347,000 | 8,110,000 | 10,862,000 |
| Provision for loan losses | 168,000 | 225,000 | 226,000 | 226,000 |
| Pretax income | 706,000 | 1,467,000 | 2,234,000 | 3,057,000 |
| Income tax | 231,000 | 505,000 | 781,000 | 1,093,000 |
| Net income | 475,000 | 962,000 | 1,453,000 | 1,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,666,000 | 30,196,000 | 33,018,000 | 31,902,000 |
| Total capital | 32,558,000 | 33,335,000 | 36,014,000 | 34,844,000 |
| Risk-weighted assets | 238,155,000 | 248,714,000 | 237,111,000 | 235,087,000 |