Call reports 2007
FIRST COMMERCIAL BANK — 2007
What FIRST COMMERCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 206,590,000 | 225,105,000 | 250,186,000 | 292,115,000 |
| Total loans | 192,935,000 | 214,633,000 | 236,954,000 | 275,753,000 |
| Allowance for loan losses | 2,880,000 | 2,997,000 | 3,957,000 | 4,306,000 |
| Securities available for sale | 6,010,000 | 6,304,000 | 7,245,000 | 7,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,287,000 | 180,989,000 | 201,522,000 | 232,755,000 |
| Interest-bearing deposits | 153,958,000 | 173,305,000 | 193,103,000 | 221,653,000 |
| Noninterest-bearing deposits | 10,329,000 | 7,684,000 | 8,419,000 | 11,102,000 |
| Equity capital | 12,138,000 | 16,116,000 | 20,916,000 | 26,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,129,000 | 8,699,000 | 14,011,000 | 19,729,000 |
| Interest expense | 2,134,000 | 4,641,000 | 7,475,000 | 10,615,000 |
| Net interest income | 1,995,000 | 4,058,000 | 6,536,000 | 9,114,000 |
| Noninterest income | 39,000 | 109,000 | 351,000 | 498,000 |
| Noninterest expense | 778,000 | 1,606,000 | 2,748,000 | 3,505,000 |
| Provision for loan losses | 679,000 | 1,075,000 | 2,204,000 | 2,819,000 |
| Pretax income | 577,000 | 1,486,000 | 1,935,000 | 3,288,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 576,000 | 1,485,000 | 1,934,000 | 3,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,174,000 | 16,163,000 | 20,917,000 | 26,378,000 |
| Total capital | 14,383,000 | 18,898,000 | 23,907,000 | 29,842,000 |
| Risk-weighted assets | 176,057,000 | 218,554,000 | 238,227,000 | 276,288,000 |