Call reports 2006
FIRST COMMERCIAL BANK — 2006
What FIRST COMMERCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 140,626,000 | 146,210,000 | 147,343,000 | 156,874,000 |
| Total loans | 107,008,000 | 111,166,000 | 112,518,000 | 118,513,000 |
| Allowance for loan losses | 1,104,000 | 1,549,000 | 1,535,000 | 1,532,000 |
| Securities available for sale | 24,511,000 | 25,349,000 | 25,520,000 | 26,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,408,000 | 103,920,000 | 107,655,000 | 115,201,000 |
| Interest-bearing deposits | 81,980,000 | 88,488,000 | 90,885,000 | 95,148,000 |
| Noninterest-bearing deposits | 16,428,000 | 15,432,000 | 16,770,000 | 20,053,000 |
| Equity capital | 12,060,000 | 12,004,000 | 12,589,000 | 12,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,143,000 | 4,462,000 | 6,884,000 | 9,426,000 |
| Interest expense | 953,000 | 1,998,000 | 3,139,000 | 4,359,000 |
| Net interest income | 1,190,000 | 2,464,000 | 3,745,000 | 5,067,000 |
| Noninterest income | 135,000 | 279,000 | 409,000 | 522,000 |
| Noninterest expense | 683,000 | 1,350,000 | 2,064,000 | 2,742,000 |
| Provision for loan losses | 10,000 | 495,000 | 495,000 | 495,000 |
| Pretax income | 632,000 | 898,000 | 1,595,000 | 2,352,000 |
| Income tax | 222,000 | 308,000 | 562,000 | 756,000 |
| Net income | 410,000 | 590,000 | 1,033,000 | 1,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,445,000 | 10,353,000 | 11,221,000 | 11,185,000 |
| Total capital | 11,549,000 | 11,807,000 | 12,699,000 | 12,717,000 |
| Risk-weighted assets | 108,581,000 | 116,183,000 | 118,064,000 | 124,051,000 |