Call reports 2011
FIRST NATIONAL BANK OF COMMERCE — 2011
What FIRST NATIONAL BANK OF COMMERCE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 166,240,000 | 175,396,000 | 184,079,000 | 186,862,000 |
| Total loans | 109,705,000 | 114,176,000 | 125,970,000 | 121,362,000 |
| Allowance for loan losses | 1,265,000 | 1,278,000 | 1,307,000 | 1,311,000 |
| Securities available for sale | 35,250,000 | 37,070,000 | 32,324,000 | 35,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,712,000 | 156,064,000 | 153,833,000 | 166,386,000 |
| Interest-bearing deposits | 134,952,000 | 143,336,000 | 142,802,000 | 154,278,000 |
| Noninterest-bearing deposits | 12,760,000 | 12,728,000 | 11,031,000 | 12,108,000 |
| Equity capital | 17,551,000 | 18,380,000 | 19,167,000 | 19,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,803,000 | 3,682,000 | 5,657,000 | 7,556,000 |
| Interest expense | 298,000 | 591,000 | 877,000 | 1,140,000 |
| Net interest income | 1,505,000 | 3,091,000 | 4,780,000 | 6,416,000 |
| Noninterest income | 282,000 | 534,000 | 799,000 | 982,000 |
| Noninterest expense | 1,167,000 | 2,391,000 | 3,546,000 | 4,431,000 |
| Provision for loan losses | 35,000 | 70,000 | 95,000 | 100,000 |
| Pretax income | 622,000 | 1,201,000 | 1,988,000 | 2,894,000 |
| Income tax | 329,000 | 329,000 | 311,000 | 327,000 |
| Net income | 293,000 | 872,000 | 1,677,000 | 2,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,191,000 | 17,470,000 | 18,025,000 | 18,340,000 |
| Total capital | 18,456,000 | 18,748,000 | 19,332,000 | 19,651,000 |
| Risk-weighted assets | 114,632,000 | 119,282,000 | 129,948,000 | 126,223,000 |