Call reports 2008
FIRST NATIONAL BANK OF COMMERCE — 2008
What FIRST NATIONAL BANK OF COMMERCE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 146,709,000 | 147,176,000 | 151,962,000 | 142,267,000 |
| Total loans | 80,145,000 | 85,635,000 | 92,255,000 | 84,805,000 |
| Allowance for loan losses | 1,063,000 | 1,101,000 | 1,043,000 | 1,036,000 |
| Securities available for sale | 44,586,000 | 46,649,000 | 41,289,000 | 41,745,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,103,000 | 131,285,000 | 125,234,000 | 125,581,000 |
| Interest-bearing deposits | 118,842,000 | 116,771,000 | 114,380,000 | 111,062,000 |
| Noninterest-bearing deposits | 11,261,000 | 14,514,000 | 10,854,000 | 14,519,000 |
| Equity capital | 16,018,000 | 15,283,000 | 16,021,000 | 15,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,127,000 | 4,164,000 | 6,251,000 | 8,185,000 |
| Interest expense | 840,000 | 1,570,000 | 2,260,000 | 2,864,000 |
| Net interest income | 1,287,000 | 2,594,000 | 3,991,000 | 5,321,000 |
| Noninterest income | 355,000 | 696,000 | 1,011,000 | 1,383,000 |
| Noninterest expense | 943,000 | 2,006,000 | 2,965,000 | 3,941,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 278,000 |
| Pretax income | 652,000 | 1,177,000 | 1,882,000 | 2,510,000 |
| Income tax | 200,000 | 322,000 | 435,000 | 567,000 |
| Net income | 452,000 | 855,000 | 1,447,000 | 1,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,067,000 | 16,070,000 | 16,662,000 | 16,568,000 |
| Total capital | 17,130,000 | 17,171,000 | 17,705,000 | 17,604,000 |
| Risk-weighted assets | 90,458,000 | 95,662,000 | 102,344,000 | 94,136,000 |