Call reports 2006
FIRST NATIONAL BANK OF COMMERCE — 2006
What FIRST NATIONAL BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 127,730,000 | 129,812,000 | 131,409,000 | 133,217,000 |
| Total loans | 78,507,000 | 79,050,000 | 79,442,000 | 71,133,000 |
| Allowance for loan losses | 1,014,000 | 1,061,000 | 1,078,000 | 946,000 |
| Securities available for sale | 37,157,000 | 40,654,000 | 41,765,000 | 48,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,338,000 | 112,284,000 | 113,070,000 | 113,789,000 |
| Interest-bearing deposits | 103,619,000 | 101,190,000 | 103,875,000 | 105,042,000 |
| Noninterest-bearing deposits | 9,719,000 | 11,094,000 | 9,195,000 | 8,747,000 |
| Equity capital | 13,884,000 | 13,870,000 | 14,531,000 | 14,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,881,000 | 3,820,000 | 5,753,000 | 7,663,000 |
| Interest expense | 719,000 | 1,514,000 | 2,398,000 | 3,310,000 |
| Net interest income | 1,162,000 | 2,306,000 | 3,355,000 | 4,353,000 |
| Noninterest income | 308,000 | 595,000 | 901,000 | 1,223,000 |
| Noninterest expense | 904,000 | 1,845,000 | 2,739,000 | 3,534,000 |
| Provision for loan losses | 89,000 | 171,000 | 219,000 | 219,000 |
| Pretax income | 351,000 | 759,000 | 1,172,000 | 1,698,000 |
| Income tax | 85,000 | 198,000 | 335,000 | 378,000 |
| Net income | 266,000 | 561,000 | 837,000 | 1,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,394,000 | 13,071,000 | 14,946,000 | 14,713,000 |
| Total capital | 14,409,000 | 14,132,000 | 16,024,000 | 15,659,000 |
| Risk-weighted assets | 85,255,000 | 86,529,000 | 87,420,000 | 80,854,000 |