Call reports 2015
NATIONAL BANK OF COMMERCE — 2015
What NATIONAL BANK OF COMMERCE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 531,386,000 | 534,661,000 | 560,468,000 | 552,625,000 |
| Total loans | 385,332,000 | 387,291,000 | 387,211,000 | 399,513,000 |
| Allowance for loan losses | 4,867,000 | 4,783,000 | 4,812,000 | 4,947,000 |
| Securities available for sale | 106,284,000 | 103,272,000 | 102,207,000 | 104,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,237,000 | 417,164,000 | 451,626,000 | 471,634,000 |
| Interest-bearing deposits | 329,725,000 | 329,021,000 | 356,445,000 | 372,307,000 |
| Noninterest-bearing deposits | 88,512,000 | 88,143,000 | 95,181,000 | 99,327,000 |
| Equity capital | 70,357,000 | 70,412,000 | 70,006,000 | 70,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,727,000 | 11,619,000 | 17,761,000 | 23,769,000 |
| Interest expense | 647,000 | 1,256,000 | 1,889,000 | 2,507,000 |
| Net interest income | 5,080,000 | 10,363,000 | 15,872,000 | 21,262,000 |
| Noninterest income | 908,000 | 1,671,000 | 2,760,000 | 3,756,000 |
| Noninterest expense | 3,864,000 | 7,628,000 | 11,443,000 | 15,368,000 |
| Provision for loan losses | -160,000 | -430,000 | -323,000 | -71,000 |
| Pretax income | 2,299,000 | 5,051,000 | 7,727,000 | 9,936,000 |
| Income tax | 5,000 | 8,000 | 11,000 | 16,000 |
| Net income | 2,294,000 | 5,043,000 | 7,716,000 | 9,920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,128,000 | 64,816,000 | 63,910,000 | 64,419,000 |
| Total capital | 68,216,000 | 69,667,000 | 68,754,000 | 69,372,000 |
| Risk-weighted assets | 411,305,000 | 419,935,000 | 421,361,000 | 425,004,000 |