Call reports 2013
FIRST NATIONAL BANK OF COMMERCE — 2013
What FIRST NATIONAL BANK OF COMMERCE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 187,150,000 | 179,479,000 | 179,410,000 | 185,096,000 |
| Total loans | 113,443,000 | 116,879,000 | 123,737,000 | 120,801,000 |
| Allowance for loan losses | 1,349,000 | 1,378,000 | 1,388,000 | 1,365,000 |
| Securities available for sale | 36,208,000 | 36,047,000 | 35,784,000 | 37,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,171,000 | 160,065,000 | 158,447,000 | 166,466,000 |
| Interest-bearing deposits | 148,661,000 | 144,295,000 | 144,120,000 | 152,600,000 |
| Noninterest-bearing deposits | 17,510,000 | 15,770,000 | 14,328,000 | 13,866,000 |
| Equity capital | 19,883,000 | 18,362,000 | 18,425,000 | 17,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,753,000 | 3,488,000 | 5,301,000 | 7,128,000 |
| Interest expense | 148,000 | 297,000 | 446,000 | 598,000 |
| Net interest income | 1,605,000 | 3,191,000 | 4,855,000 | 6,530,000 |
| Noninterest income | 302,000 | 571,000 | 840,000 | 1,286,000 |
| Noninterest expense | 1,109,000 | 2,294,000 | 3,484,000 | 4,721,000 |
| Provision for loan losses | 60,000 | 80,000 | 135,000 | 145,000 |
| Pretax income | 821,000 | 1,501,000 | 2,189,000 | 3,063,000 |
| Income tax | -1,000 | 2,000 | 2,000 | 2,000 |
| Net income | 822,000 | 1,499,000 | 2,187,000 | 3,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,596,000 | 19,699,000 | 19,811,000 | 19,110,000 |
| Total capital | 20,945,000 | 21,077,000 | 21,199,000 | 20,475,000 |
| Risk-weighted assets | 121,837,000 | 124,519,000 | 130,353,000 | 128,802,000 |