Call reports 2016
FIRST COMMERCE BANK — 2016
What FIRST COMMERCE 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 | 318,980,000 | 322,723,000 | 328,927,000 | 337,366,000 |
| Total loans | 210,617,000 | 222,814,000 | 231,766,000 | 244,236,000 |
| Allowance for loan losses | 2,748,000 | 2,774,000 | 2,791,000 | 3,003,000 |
| Securities available for sale | 46,967,000 | 50,763,000 | 47,926,000 | 44,879,000 |
| Securities held to maturity | 7,203,000 | 5,973,000 | 7,263,000 | 8,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,622,000 | 288,455,000 | 293,241,000 | 303,264,000 |
| Interest-bearing deposits | 226,415,000 | 236,190,000 | 239,387,000 | 246,562,000 |
| Noninterest-bearing deposits | 58,207,000 | 52,265,000 | 53,854,000 | 56,702,000 |
| Equity capital | 31,447,000 | 32,300,000 | 33,176,000 | 32,032,000 |
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 | 3,186,000 | 6,561,000 | 9,987,000 | 13,571,000 |
| Interest expense | 321,000 | 678,000 | 1,062,000 | 1,471,000 |
| Net interest income | 2,865,000 | 5,883,000 | 8,925,000 | 12,100,000 |
| Noninterest income | 261,000 | 988,000 | 1,248,000 | 1,527,000 |
| Noninterest expense | 1,797,000 | 3,730,000 | 5,577,000 | 7,498,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 380,000 |
| Pretax income | 1,287,000 | 3,057,000 | 4,609,000 | 5,897,000 |
| Income tax | 401,000 | 789,000 | 1,283,000 | 1,685,000 |
| Net income | 886,000 | 2,268,000 | 3,326,000 | 4,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,899,000 | 31,532,000 | 32,590,000 | 31,976,000 |
| Total capital | 33,669,000 | 34,328,000 | 35,403,000 | 35,001,000 |
| Risk-weighted assets | 229,143,000 | 237,536,000 | 247,840,000 | 260,376,000 |