Call reports 2023
NATIONAL BANK OF COMMERCE — 2023
What NATIONAL BANK OF COMMERCE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,316,740,000 | 1,265,431,000 | 1,333,994,000 | 1,381,018,000 |
| Total loans | 970,763,000 | 996,740,000 | 1,045,563,000 | 1,065,142,000 |
| Allowance for loan losses | 11,982,000 | 12,242,000 | 12,253,000 | 11,903,000 |
| Securities available for sale | 215,873,000 | 205,037,000 | 188,972,000 | 189,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,065,167,000 | 1,075,089,000 | 1,136,428,000 | 1,148,270,000 |
| Interest-bearing deposits | 823,998,000 | 846,288,000 | 901,977,000 | 915,920,000 |
| Noninterest-bearing deposits | 241,169,000 | 228,801,000 | 234,451,000 | 232,350,000 |
| Equity capital | 127,569,000 | 128,351,000 | 124,698,000 | 134,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 14,525,000 | 30,108,000 | 47,684,000 | 65,779,000 |
| Interest expense | 3,335,000 | 7,529,000 | 12,857,000 | 19,044,000 |
| Net interest income | 11,190,000 | 22,579,000 | 34,827,000 | 46,735,000 |
| Noninterest income | 973,000 | 3,075,000 | 4,231,000 | 5,246,000 |
| Noninterest expense | 7,475,000 | 14,530,000 | 21,923,000 | 29,863,000 |
| Provision for loan losses | 285,000 | 529,000 | 529,000 | 231,000 |
| Pretax income | 4,491,000 | 9,254,000 | 15,398,000 | 19,950,000 |
| Income tax | 304,000 | 628,000 | 964,000 | 1,268,000 |
| Net income | 4,187,000 | 8,626,000 | 14,434,000 | 18,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 140,737,000 | 142,003,000 | 144,639,000 | 145,697,000 |
| Total capital | 151,826,000 | 153,351,000 | 155,998,000 | 157,009,000 |
| Risk-weighted assets | 1,075,730,000 | 1,107,625,000 | 1,171,071,000 | 1,185,763,000 |