Call reports 2016
NATIONAL BANK OF COMMERCE — 2016
What NATIONAL BANK OF COMMERCE 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 | 543,828,000 | 560,971,000 | 576,743,000 | 585,996,000 |
| Total loans | 400,611,000 | 417,232,000 | 426,838,000 | 430,700,000 |
| Allowance for loan losses | 4,879,000 | 5,291,000 | 4,971,000 | 5,068,000 |
| Securities available for sale | 100,571,000 | 104,390,000 | 101,016,000 | 97,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 427,209,000 | 421,247,000 | 471,916,000 | 510,742,000 |
| Interest-bearing deposits | 331,876,000 | 330,095,000 | 361,065,000 | 400,542,000 |
| Noninterest-bearing deposits | 95,333,000 | 91,152,000 | 110,851,000 | 110,200,000 |
| Equity capital | 72,156,000 | 74,856,000 | 76,079,000 | 69,844,000 |
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 | 5,681,000 | 11,806,000 | 18,097,000 | 24,168,000 |
| Interest expense | 642,000 | 1,270,000 | 1,877,000 | 2,488,000 |
| Net interest income | 5,039,000 | 10,536,000 | 16,220,000 | 21,680,000 |
| Noninterest income | 1,068,000 | 2,249,000 | 3,727,000 | 4,985,000 |
| Noninterest expense | 3,987,000 | 7,972,000 | 12,235,000 | 16,460,000 |
| Provision for loan losses | -43,000 | 391,000 | 229,000 | 514,000 |
| Pretax income | 2,475,000 | 4,734,000 | 7,795,000 | 9,852,000 |
| Income tax | 10,000 | 14,000 | 22,000 | 26,000 |
| Net income | 2,465,000 | 4,720,000 | 7,773,000 | 9,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,897,000 | 67,089,000 | 69,079,000 | 65,560,000 |
| Total capital | 70,793,000 | 72,407,000 | 74,253,000 | 70,847,000 |
| Risk-weighted assets | 427,682,000 | 447,782,000 | 457,234,000 | 461,858,000 |