Call reports 2012
FIRST COMMERCIAL BANK — 2012
What FIRST COMMERCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 224,491,000 | 208,847,000 | 215,345,000 | 214,044,000 |
| Total loans | 127,161,000 | 121,094,000 | 120,897,000 | 127,711,000 |
| Allowance for loan losses | 5,549,000 | 4,345,000 | 4,356,000 | 4,402,000 |
| Securities available for sale | 40,026,000 | 38,253,000 | 32,465,000 | 31,507,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,650,000 | 172,015,000 | 177,395,000 | 177,863,000 |
| Interest-bearing deposits | 149,861,000 | 148,979,000 | 150,286,000 | 143,969,000 |
| Noninterest-bearing deposits | 27,789,000 | 23,036,000 | 27,109,000 | 33,894,000 |
| Equity capital | 20,169,000 | 20,681,000 | 20,990,000 | 20,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,205,000 | 4,278,000 | 6,345,000 | 8,342,000 |
| Interest expense | 637,000 | 1,227,000 | 1,771,000 | 2,269,000 |
| Net interest income | 1,568,000 | 3,051,000 | 4,574,000 | 6,073,000 |
| Noninterest income | 124,000 | 368,000 | 612,000 | 835,000 |
| Noninterest expense | 1,127,000 | 2,485,000 | 3,742,000 | 5,157,000 |
| Provision for loan losses | 91,000 | 154,000 | 245,000 | 290,000 |
| Pretax income | 474,000 | 780,000 | 1,199,000 | 1,461,000 |
| Income tax | 185,000 | 269,000 | 396,000 | 518,000 |
| Net income | 289,000 | 511,000 | 803,000 | 943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,234,000 | 18,457,000 | 18,748,000 | 18,738,000 |
| Total capital | 20,018,000 | 20,178,000 | 20,548,000 | 20,537,000 |
| Risk-weighted assets | 138,982,000 | 135,691,000 | 141,440,000 | 141,317,000 |