Call reports 2009
FIRST COMMERCIAL BANK — 2009
What FIRST COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 362,311,000 | 364,064,000 | 368,466,000 | 357,764,000 |
| Total loans | 348,195,000 | 342,045,000 | 322,268,000 | 309,597,000 |
| Allowance for loan losses | 5,521,000 | 6,522,000 | 6,994,000 | 7,028,000 |
| Securities available for sale | 3,791,000 | 4,689,000 | 9,372,000 | 27,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,036,000 | 281,000,000 | 290,551,000 | 294,604,000 |
| Interest-bearing deposits | 269,541,000 | 273,948,000 | 282,801,000 | 285,889,000 |
| Noninterest-bearing deposits | 8,495,000 | 7,052,000 | 7,750,000 | 8,715,000 |
| Equity capital | 31,087,000 | 35,643,000 | 35,768,000 | 29,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,429,000 | 10,653,000 | 15,694,000 | 20,488,000 |
| Interest expense | 2,981,000 | 5,838,000 | 8,598,000 | 11,282,000 |
| Net interest income | 2,448,000 | 4,815,000 | 7,096,000 | 9,206,000 |
| Noninterest income | 115,000 | 163,000 | 231,000 | -519,000 |
| Noninterest expense | 1,034,000 | 2,289,000 | 3,542,000 | 4,998,000 |
| Provision for loan losses | 803,000 | 2,390,000 | 3,391,000 | 9,528,000 |
| Pretax income | 726,000 | 299,000 | 416,000 | -5,817,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | 726,000 | 299,000 | 416,000 | -5,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,015,000 | 35,588,000 | 35,705,000 | 29,467,000 |
| Total capital | 35,356,000 | 39,809,000 | 39,813,000 | 33,240,000 |
| Risk-weighted assets | 346,071,000 | 335,404,000 | 325,757,000 | 298,572,000 |