Call reports 2005
FIRST NATIONAL BANK OF COMMERCE — 2005
What FIRST NATIONAL BANK OF COMMERCE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 133,583,000 | 132,866,000 | 135,086,000 | 131,122,000 |
| Total loans | 71,291,000 | 79,834,000 | 84,064,000 | 78,128,000 |
| Allowance for loan losses | 874,000 | 942,000 | 897,000 | 940,000 |
| Securities available for sale | 45,497,000 | 42,920,000 | 40,217,000 | 40,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,728,000 | 111,451,000 | 109,070,000 | 111,693,000 |
| Interest-bearing deposits | 95,807,000 | 89,836,000 | 98,741,000 | 101,095,000 |
| Noninterest-bearing deposits | 23,921,000 | 21,616,000 | 10,329,000 | 10,598,000 |
| Equity capital | 13,408,000 | 13,977,000 | 14,209,000 | 13,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,654,000 | 3,400,000 | 5,280,000 | 7,071,000 |
| Interest expense | 499,000 | 1,042,000 | 1,711,000 | 2,392,000 |
| Net interest income | 1,155,000 | 2,358,000 | 3,569,000 | 4,679,000 |
| Noninterest income | 297,000 | 580,000 | 824,000 | 1,054,000 |
| Noninterest expense | 819,000 | 1,739,000 | 2,643,000 | 3,513,000 |
| Provision for loan losses | 60,000 | 181,000 | 270,000 | 308,000 |
| Pretax income | 583,000 | 1,029,000 | 1,503,000 | 1,935,000 |
| Income tax | 113,000 | 308,000 | 449,000 | 518,000 |
| Net income | 470,000 | 721,000 | 1,054,000 | 1,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,877,000 | 14,128,000 | 14,461,000 | 14,109,000 |
| Total capital | 14,751,000 | 15,070,000 | 15,358,000 | 15,049,000 |
| Risk-weighted assets | 80,488,000 | 87,277,000 | 92,229,000 | 85,933,000 |