Call reports 2008
FIRST COMMERCIAL BANK — 2008
What FIRST COMMERCIAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 320,699,000 | 335,832,000 | 347,377,000 | 360,049,000 |
| Total loans | 306,376,000 | 321,315,000 | 326,373,000 | 342,093,000 |
| Allowance for loan losses | 4,957,000 | 5,230,000 | 4,881,000 | 5,381,000 |
| Securities available for sale | 4,909,000 | 4,038,000 | 3,735,000 | 3,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,048,000 | 254,985,000 | 265,886,000 | 279,403,000 |
| Interest-bearing deposits | 247,761,000 | 247,378,000 | 253,720,000 | 270,002,000 |
| Noninterest-bearing deposits | 9,286,000 | 7,607,000 | 12,166,000 | 9,401,000 |
| Equity capital | 28,421,000 | 28,118,000 | 29,498,000 | 30,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,758,000 | 11,320,000 | 16,953,000 | 22,553,000 |
| Interest expense | 3,393,000 | 6,745,000 | 9,987,000 | 13,241,000 |
| Net interest income | 2,365,000 | 4,575,000 | 6,966,000 | 9,312,000 |
| Noninterest income | 91,000 | 147,000 | 270,000 | 332,000 |
| Noninterest expense | 1,145,000 | 2,342,000 | 3,974,000 | 5,687,000 |
| Provision for loan losses | 637,000 | 1,840,000 | 2,356,000 | 3,732,000 |
| Pretax income | 674,000 | 540,000 | 906,000 | 225,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 674,000 | 540,000 | 906,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,322,000 | 28,092,000 | 29,458,000 | 30,289,000 |
| Total capital | 32,132,000 | 32,114,000 | 33,619,000 | 34,564,000 |
| Risk-weighted assets | 303,625,000 | 320,544,000 | 332,164,000 | 340,900,000 |