Call reports 2009
FIRST NATIONAL BANK OF COMMERCE — 2009
What FIRST NATIONAL BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 169,241,000 | 167,374,000 | 158,444,000 | 160,220,000 |
| Total loans | 84,554,000 | 90,986,000 | 98,757,000 | 95,202,000 |
| Allowance for loan losses | 1,089,000 | 1,085,000 | 1,048,000 | 1,061,000 |
| Securities available for sale | 45,614,000 | 44,700,000 | 47,203,000 | 46,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,418,000 | 150,140,000 | 138,159,000 | 142,143,000 |
| Interest-bearing deposits | 136,629,000 | 138,744,000 | 127,251,000 | 126,769,000 |
| Noninterest-bearing deposits | 15,789,000 | 11,397,000 | 10,908,000 | 15,374,000 |
| Equity capital | 16,415,000 | 16,756,000 | 17,599,000 | 16,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,817,000 | 3,687,000 | 5,639,000 | 7,507,000 |
| Interest expense | 510,000 | 1,051,000 | 1,553,000 | 1,977,000 |
| Net interest income | 1,307,000 | 2,636,000 | 4,086,000 | 5,530,000 |
| Noninterest income | 325,000 | 633,000 | 951,000 | 1,276,000 |
| Noninterest expense | 973,000 | 2,178,000 | 3,272,000 | 4,335,000 |
| Provision for loan losses | 89,000 | 179,000 | 304,000 | 395,000 |
| Pretax income | 609,000 | 951,000 | 1,578,000 | 2,199,000 |
| Income tax | 170,000 | 222,000 | 344,000 | 452,000 |
| Net income | 439,000 | 729,000 | 1,234,000 | 1,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,007,000 | 17,297,000 | 17,802,000 | 17,315,000 |
| Total capital | 18,095,000 | 18,382,000 | 18,850,000 | 18,376,000 |
| Risk-weighted assets | 95,511,000 | 101,433,000 | 106,380,000 | 104,306,000 |