Call reports 2005
FIRST COMMERCIAL BANK — 2005
What FIRST COMMERCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 126,164,000 | 129,695,000 | 140,351,000 | 147,507,000 |
| Total loans | 88,478,000 | 94,408,000 | 104,040,000 | 107,638,000 |
| Allowance for loan losses | 1,064,000 | 1,072,000 | 1,080,000 | 1,094,000 |
| Securities available for sale | 24,271,000 | 25,825,000 | 25,780,000 | 25,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,077,000 | 96,302,000 | 98,454,000 | 105,515,000 |
| Interest-bearing deposits | 79,850,000 | 81,840,000 | 82,981,000 | 85,117,000 |
| Noninterest-bearing deposits | 16,227,000 | 14,462,000 | 15,473,000 | 20,398,000 |
| Equity capital | 10,170,000 | 10,494,000 | 11,572,000 | 11,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,539,000 | 3,231,000 | 5,098,000 | 7,119,000 |
| Interest expense | 574,000 | 1,221,000 | 1,990,000 | 2,896,000 |
| Net interest income | 965,000 | 2,010,000 | 3,108,000 | 4,223,000 |
| Noninterest income | 113,000 | 251,000 | 395,000 | 548,000 |
| Noninterest expense | 647,000 | 1,322,000 | 2,000,000 | 2,708,000 |
| Provision for loan losses | 0 | 8,000 | 15,000 | 30,000 |
| Pretax income | 432,000 | 933,000 | 1,490,000 | 2,043,000 |
| Income tax | 140,000 | 318,000 | 518,000 | 626,000 |
| Net income | 292,000 | 615,000 | 972,000 | 1,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,950,000 | 9,184,000 | 10,273,000 | 10,609,000 |
| Total capital | 10,014,000 | 10,256,000 | 11,353,000 | 11,703,000 |
| Risk-weighted assets | 92,931,000 | 97,729,000 | 107,202,000 | 110,876,000 |