Call reports 2010
FIRST NATIONAL BANK OF COMMERCE — 2010
What FIRST NATIONAL BANK OF COMMERCE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 153,676,000 | 155,312,000 | 164,817,000 | 166,744,000 |
| Total loans | 97,030,000 | 104,343,000 | 112,704,000 | 107,110,000 |
| Allowance for loan losses | 1,139,000 | 1,263,000 | 1,296,000 | 1,249,000 |
| Securities available for sale | 37,326,000 | 37,309,000 | 36,268,000 | 32,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,290,000 | 135,312,000 | 145,718,000 | 148,457,000 |
| Interest-bearing deposits | 121,947,000 | 123,208,000 | 135,067,000 | 134,634,000 |
| Noninterest-bearing deposits | 13,343,000 | 12,104,000 | 10,651,000 | 13,823,000 |
| Equity capital | 17,991,000 | 18,508,000 | 17,680,000 | 17,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,734,000 | 3,554,000 | 5,381,000 | 7,171,000 |
| Interest expense | 323,000 | 660,000 | 1,033,000 | 1,372,000 |
| Net interest income | 1,411,000 | 2,894,000 | 4,348,000 | 5,799,000 |
| Noninterest income | 344,000 | 647,000 | 971,000 | 1,288,000 |
| Noninterest expense | 1,138,000 | 2,304,000 | 3,445,000 | 4,242,000 |
| Provision for loan losses | 103,000 | 213,000 | 304,000 | 395,000 |
| Pretax income | 535,000 | 1,045,000 | 1,608,000 | 2,522,000 |
| Income tax | 173,000 | 380,000 | 550,000 | 761,000 |
| Net income | 362,000 | 665,000 | 1,058,000 | 1,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,677,000 | 17,781,000 | 16,973,000 | 17,298,000 |
| Total capital | 18,816,000 | 19,044,000 | 18,269,000 | 18,547,000 |
| Risk-weighted assets | 103,603,000 | 110,735,000 | 118,763,000 | 114,176,000 |