Call reports 2010
FIRST COMMERCIAL BANK — 2010
What FIRST COMMERCIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 226,142,000 | 222,493,000 | 214,178,000 | 207,590,000 |
| Total loans | 168,551,000 | 167,665,000 | 164,074,000 | 151,175,000 |
| Allowance for loan losses | 4,832,000 | 4,902,000 | 5,139,000 | 5,389,000 |
| Securities available for sale | 43,019,000 | 39,052,000 | 36,799,000 | 39,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,896,000 | 156,430,000 | 154,226,000 | 157,340,000 |
| Interest-bearing deposits | 133,403,000 | 136,865,000 | 133,309,000 | 134,540,000 |
| Noninterest-bearing deposits | 21,493,000 | 19,565,000 | 20,917,000 | 22,800,000 |
| Equity capital | 19,079,000 | 20,082,000 | 20,531,000 | 18,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,816,000 | 5,613,000 | 8,221,000 | 10,721,000 |
| Interest expense | 1,109,000 | 2,215,000 | 3,225,000 | 4,276,000 |
| Net interest income | 1,707,000 | 3,398,000 | 4,996,000 | 6,445,000 |
| Noninterest income | 135,000 | 394,000 | 662,000 | 969,000 |
| Noninterest expense | 1,074,000 | 2,166,000 | 3,307,000 | 4,892,000 |
| Provision for loan losses | 340,000 | 410,000 | 650,000 | 3,111,000 |
| Pretax income | 428,000 | 1,216,000 | 1,701,000 | -589,000 |
| Income tax | 120,000 | 391,000 | 533,000 | -228,000 |
| Net income | 308,000 | 825,000 | 1,168,000 | -361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,384,000 | 18,410,000 | 18,753,000 | 17,224,000 |
| Total capital | 19,550,000 | 20,570,000 | 20,885,000 | 19,289,000 |
| Risk-weighted assets | 170,595,000 | 170,045,000 | 167,567,000 | 161,907,000 |