Call reports 2008
FIRST COMMERCIAL BANK — 2008
What FIRST COMMERCIAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 190,895,000 | 197,292,000 | 208,868,000 | 224,504,000 |
| Total loans | 143,736,000 | 151,009,000 | 162,544,000 | 160,660,000 |
| Allowance for loan losses | 1,602,000 | 1,634,000 | 1,672,000 | 1,706,000 |
| Securities available for sale | 35,917,000 | 35,130,000 | 35,463,000 | 43,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,417,000 | 130,345,000 | 135,351,000 | 150,299,000 |
| Interest-bearing deposits | 113,951,000 | 113,164,000 | 117,651,000 | 128,427,000 |
| Noninterest-bearing deposits | 18,466,000 | 17,181,000 | 17,700,000 | 21,872,000 |
| Equity capital | 17,041,000 | 16,581,000 | 17,328,000 | 17,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,993,000 | 5,960,000 | 8,912,000 | 12,026,000 |
| Interest expense | 1,517,000 | 2,955,000 | 4,344,000 | 5,784,000 |
| Net interest income | 1,476,000 | 3,005,000 | 4,568,000 | 6,242,000 |
| Noninterest income | 134,000 | 338,000 | 467,000 | 696,000 |
| Noninterest expense | 896,000 | 1,762,000 | 2,624,000 | 3,662,000 |
| Provision for loan losses | 10,000 | 60,000 | 165,000 | 340,000 |
| Pretax income | 704,000 | 1,521,000 | 2,246,000 | 2,936,000 |
| Income tax | 243,000 | 530,000 | 756,000 | 1,308,000 |
| Net income | 461,000 | 991,000 | 1,490,000 | 1,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,863,000 | 15,193,000 | 15,692,000 | 15,759,000 |
| Total capital | 16,465,000 | 16,827,000 | 17,364,000 | 17,465,000 |
| Risk-weighted assets | 144,459,000 | 154,094,000 | 163,583,000 | 164,238,000 |