Call reports 2015
FIRST COMMERCIAL BANK — 2015
What FIRST COMMERCIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 224,670,000 | 212,516,000 | 221,182,000 | 229,044,000 |
| Total loans | 152,489,000 | 160,247,000 | 169,660,000 | 165,646,000 |
| Allowance for loan losses | 3,594,000 | 3,571,000 | 3,569,000 | 3,562,000 |
| Securities available for sale | 48,107,000 | 43,835,000 | 41,530,000 | 41,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,522,000 | 165,684,000 | 166,971,000 | 176,286,000 |
| Interest-bearing deposits | 145,986,000 | 138,825,000 | 140,886,000 | 146,281,000 |
| Noninterest-bearing deposits | 32,536,000 | 26,859,000 | 26,085,000 | 30,005,000 |
| Equity capital | 23,443,000 | 23,649,000 | 24,572,000 | 25,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,292,000 | 4,621,000 | 7,052,000 | 9,551,000 |
| Interest expense | 436,000 | 822,000 | 1,200,000 | 1,635,000 |
| Net interest income | 1,856,000 | 3,799,000 | 5,852,000 | 7,916,000 |
| Noninterest income | 45,000 | 212,000 | 355,000 | 748,000 |
| Noninterest expense | 1,055,000 | 2,206,000 | 3,349,000 | 4,847,000 |
| Provision for loan losses | 1,000 | 4,000 | 7,000 | 23,000 |
| Pretax income | 845,000 | 1,801,000 | 2,851,000 | 3,794,000 |
| Income tax | 304,000 | 641,000 | 1,018,000 | 1,325,000 |
| Net income | 541,000 | 1,160,000 | 1,833,000 | 2,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,340,000 | 21,959,000 | 22,632,000 | 23,268,000 |
| Total capital | 23,354,000 | 24,057,000 | 24,844,000 | 25,457,000 |
| Risk-weighted assets | 159,588,000 | 166,401,000 | 175,637,000 | 173,795,000 |