Call reports 2016
FIRST COMMERCIAL BANK — 2016
What FIRST COMMERCIAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 226,710,000 | 229,481,000 | 231,585,000 | 235,399,000 |
| Total loans | 177,992,000 | 181,665,000 | 183,018,000 | 174,584,000 |
| Allowance for loan losses | 3,592,000 | 3,621,000 | 3,653,000 | 3,684,000 |
| Securities available for sale | 40,109,000 | 40,756,000 | 40,812,000 | 39,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,525,000 | 171,253,000 | 167,590,000 | 179,943,000 |
| Interest-bearing deposits | 143,128,000 | 141,945,000 | 139,412,000 | 147,083,000 |
| Noninterest-bearing deposits | 28,397,000 | 29,308,000 | 28,178,000 | 32,860,000 |
| Equity capital | 25,287,000 | 26,135,000 | 26,687,000 | 26,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,513,000 | 5,050,000 | 7,538,000 | 9,886,000 |
| Interest expense | 442,000 | 889,000 | 1,345,000 | 1,803,000 |
| Net interest income | 2,071,000 | 4,161,000 | 6,193,000 | 8,083,000 |
| Noninterest income | 148,000 | 354,000 | 518,000 | 880,000 |
| Noninterest expense | 1,176,000 | 2,349,000 | 3,484,000 | 4,969,000 |
| Provision for loan losses | 29,000 | 59,000 | 91,000 | 122,000 |
| Pretax income | 1,014,000 | 2,107,000 | 3,274,000 | 4,010,000 |
| Income tax | 365,000 | 773,000 | 1,186,000 | 1,426,000 |
| Net income | 649,000 | 1,334,000 | 2,088,000 | 2,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,267,000 | 23,952,000 | 24,706,000 | 25,202,000 |
| Total capital | 25,568,000 | 26,299,000 | 27,078,000 | 27,514,000 |
| Risk-weighted assets | 182,758,000 | 186,477,000 | 188,443,000 | 183,574,000 |