Call reports 2005
FIRST COMMERCIAL BANK — 2005
What FIRST COMMERCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,991,000 | 95,591,000 | 120,471,000 | 142,832,000 |
| Total loans | 66,614,000 | 88,513,000 | 113,481,000 | 131,239,000 |
| Allowance for loan losses | 1,002,000 | 1,123,000 | 1,290,000 | 1,451,000 |
| Securities available for sale | 4,627,000 | 4,663,000 | 4,633,000 | 4,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,036,000 | 72,031,000 | 84,462,000 | 111,760,000 |
| Interest-bearing deposits | 50,566,000 | 65,364,000 | 78,354,000 | 100,890,000 |
| Noninterest-bearing deposits | 7,470,000 | 6,667,000 | 6,108,000 | 10,870,000 |
| Equity capital | 5,889,000 | 8,483,000 | 9,992,000 | 10,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,175,000 | 2,883,000 | 4,948,000 | 7,435,000 |
| Interest expense | 397,000 | 988,000 | 1,809,000 | 2,953,000 |
| Net interest income | 778,000 | 1,895,000 | 3,139,000 | 4,482,000 |
| Noninterest income | 17,000 | 32,000 | 46,000 | 64,000 |
| Noninterest expense | 414,000 | 877,000 | 1,366,000 | 1,838,000 |
| Provision for loan losses | 0 | 120,000 | 306,000 | 849,000 |
| Pretax income | 381,000 | 930,000 | 1,513,000 | 1,859,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 381,000 | 930,000 | 1,513,000 | 1,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,990,000 | 8,539,000 | 10,068,000 | 10,467,000 |
| Total capital | 6,727,000 | 9,473,000 | 11,287,000 | 11,918,000 |
| Risk-weighted assets | 58,675,000 | 74,531,000 | 97,493,000 | 116,716,000 |