Call reports 2009
FIRST COMMERCIAL BANK — 2009
What FIRST COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 224,184,000 | 217,504,000 | 220,872,000 | 226,407,000 |
| Total loans | 158,570,000 | 160,299,000 | 159,701,000 | 169,044,000 |
| Allowance for loan losses | 1,920,000 | 3,299,000 | 3,363,000 | 4,697,000 |
| Securities available for sale | 43,802,000 | 29,498,000 | 46,999,000 | 44,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,294,000 | 150,152,000 | 150,266,000 | 156,016,000 |
| Interest-bearing deposits | 129,679,000 | 130,952,000 | 128,999,000 | 130,197,000 |
| Noninterest-bearing deposits | 20,615,000 | 19,200,000 | 21,267,000 | 25,819,000 |
| Equity capital | 18,222,000 | 18,023,000 | 18,938,000 | 18,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,815,000 | 5,218,000 | 8,165,000 | 11,009,000 |
| Interest expense | 1,306,000 | 2,576,000 | 3,833,000 | 5,037,000 |
| Net interest income | 1,509,000 | 2,642,000 | 4,332,000 | 5,972,000 |
| Noninterest income | 123,000 | 435,000 | 609,000 | 976,000 |
| Noninterest expense | 856,000 | 1,882,000 | 2,895,000 | 4,266,000 |
| Provision for loan losses | 273,000 | 1,668,000 | 1,732,000 | 3,074,000 |
| Pretax income | 962,000 | 636,000 | 1,441,000 | 736,000 |
| Income tax | 206,000 | 342,000 | 592,000 | 84,000 |
| Net income | 756,000 | 294,000 | 849,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,350,000 | 16,719,000 | 17,274,000 | 17,076,000 |
| Total capital | 18,270,000 | 18,772,000 | 19,325,000 | 19,243,000 |
| Risk-weighted assets | 168,959,000 | 162,981,000 | 163,045,000 | 171,296,000 |