Call reports 2013
NATIONAL BANK OF COMMERCE — 2013
What NATIONAL BANK OF COMMERCE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 523,045,000 | 511,273,000 | 518,206,000 | 558,319,000 |
| Total loans | 379,378,000 | 369,268,000 | 363,722,000 | 366,200,000 |
| Allowance for loan losses | 5,384,000 | 5,343,000 | 5,046,000 | 5,161,000 |
| Securities available for sale | 89,210,000 | 90,134,000 | 99,923,000 | 102,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,908,000 | 414,804,000 | 421,236,000 | 481,008,000 |
| Interest-bearing deposits | 353,261,000 | 340,620,000 | 345,370,000 | 399,253,000 |
| Noninterest-bearing deposits | 62,647,000 | 74,184,000 | 75,866,000 | 81,755,000 |
| Equity capital | 64,544,000 | 63,573,000 | 63,740,000 | 62,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,671,000 | 11,649,000 | 17,422,000 | 23,139,000 |
| Interest expense | 838,000 | 1,610,000 | 2,367,000 | 3,103,000 |
| Net interest income | 4,833,000 | 10,039,000 | 15,055,000 | 20,036,000 |
| Noninterest income | 757,000 | 1,602,000 | 2,415,000 | 3,289,000 |
| Noninterest expense | 3,397,000 | 6,911,000 | 10,444,000 | 14,276,000 |
| Provision for loan losses | 0 | 105,000 | -342,000 | -42,000 |
| Pretax income | 2,104,000 | 4,536,000 | 7,279,000 | 9,073,000 |
| Income tax | 5,000 | 7,000 | 11,000 | 13,000 |
| Net income | 2,099,000 | 4,529,000 | 7,268,000 | 9,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,263,000 | 57,478,000 | 57,862,000 | 56,988,000 |
| Total capital | 60,982,000 | 62,051,000 | 62,398,000 | 61,612,000 |
| Risk-weighted assets | 376,009,000 | 365,052,000 | 361,541,000 | 369,340,000 |
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