Call reports 2012
NATIONAL BANK OF COMMERCE — 2012
What NATIONAL BANK OF COMMERCE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 501,959,000 | 494,802,000 | 504,743,000 | 525,286,000 |
| Total loans | 342,729,000 | 359,817,000 | 366,995,000 | 377,524,000 |
| Allowance for loan losses | 3,683,000 | 3,960,000 | 4,176,000 | 5,393,000 |
| Securities available for sale | 95,248,000 | 91,276,000 | 92,387,000 | 94,032,000 |
| Securities held to maturity | 8,431,000 | 5,000,000 | 4,102,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,754,000 | 396,546,000 | 399,118,000 | 423,090,000 |
| Interest-bearing deposits | 335,676,000 | 326,656,000 | 319,959,000 | 338,908,000 |
| Noninterest-bearing deposits | 77,078,000 | 69,890,000 | 79,159,000 | 84,182,000 |
| Equity capital | 62,560,000 | 64,526,000 | 65,317,000 | 64,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,722,000 | 11,494,000 | 17,392,000 | 23,536,000 |
| Interest expense | 1,437,000 | 2,603,000 | 3,654,000 | 4,566,000 |
| Net interest income | 4,285,000 | 8,891,000 | 13,738,000 | 18,970,000 |
| Noninterest income | 848,000 | 1,563,000 | 2,225,000 | 3,015,000 |
| Noninterest expense | 3,431,000 | 6,740,000 | 10,041,000 | 13,470,000 |
| Provision for loan losses | 155,000 | 198,000 | 320,000 | 1,410,000 |
| Pretax income | 913,000 | 2,378,000 | 4,349,000 | 5,761,000 |
| Income tax | 1,320,000 | 1,320,000 | 1,373,000 | 1,380,000 |
| Net income | -407,000 | 1,058,000 | 2,976,000 | 4,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,263,000 | 55,467,000 | 56,001,000 | 55,560,000 |
| Total capital | 58,004,000 | 59,452,000 | 60,229,000 | 60,313,000 |
| Risk-weighted assets | 360,129,000 | 367,442,000 | 374,412,000 | 378,793,000 |
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