Call reports 2007
FIRST COMMERCIAL BANK — 2007
What FIRST COMMERCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 160,751,000 | 174,598,000 | 175,333,000 | 184,817,000 |
| Total loans | 128,940,000 | 140,239,000 | 139,861,000 | 143,334,000 |
| Allowance for loan losses | 1,539,000 | 1,546,000 | 1,585,000 | 1,592,000 |
| Securities available for sale | 23,097,000 | 22,738,000 | 25,208,000 | 29,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,082,000 | 117,567,000 | 124,609,000 | 134,842,000 |
| Interest-bearing deposits | 95,739,000 | 101,073,000 | 108,306,000 | 113,806,000 |
| Noninterest-bearing deposits | 17,343,000 | 16,494,000 | 16,303,000 | 21,036,000 |
| Equity capital | 13,020,000 | 14,028,000 | 14,791,000 | 15,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,748,000 | 5,765,000 | 8,890,000 | 11,932,000 |
| Interest expense | 1,297,000 | 2,756,000 | 4,353,000 | 5,909,000 |
| Net interest income | 1,451,000 | 3,009,000 | 4,537,000 | 6,023,000 |
| Noninterest income | 127,000 | 271,000 | 429,000 | 615,000 |
| Noninterest expense | 851,000 | 1,635,000 | 2,517,000 | 3,565,000 |
| Provision for loan losses | 8,000 | 15,000 | 54,000 | 61,000 |
| Pretax income | 719,000 | 1,630,000 | 2,395,000 | 3,012,000 |
| Income tax | 250,000 | 577,000 | 829,000 | 1,007,000 |
| Net income | 469,000 | 1,053,000 | 1,566,000 | 2,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,554,000 | 12,750,000 | 13,263,000 | 13,402,000 |
| Total capital | 13,093,000 | 14,297,000 | 14,848,000 | 14,994,000 |
| Risk-weighted assets | 130,985,000 | 140,743,000 | 139,097,000 | 142,065,000 |