Call reports 2014
FIRST NATIONAL BANK OF COMMERCE — 2014
What FIRST NATIONAL BANK OF COMMERCE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 186,670,000 | 194,858,000 | 191,586,000 | 192,548,000 |
| Total loans | 123,198,000 | 120,697,000 | 131,890,000 | 128,993,000 |
| Allowance for loan losses | 1,394,000 | 1,375,000 | 1,317,000 | 1,391,000 |
| Securities available for sale | 41,122,000 | 42,683,000 | 40,423,000 | 40,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,492,000 | 175,120,000 | 167,068,000 | 172,479,000 |
| Interest-bearing deposits | 152,515,000 | 159,529,000 | 151,505,000 | 157,287,000 |
| Noninterest-bearing deposits | 14,977,000 | 15,591,000 | 15,563,000 | 15,192,000 |
| Equity capital | 18,381,000 | 18,883,000 | 19,204,000 | 19,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,839,000 | 3,650,000 | 5,553,000 | 7,446,000 |
| Interest expense | 151,000 | 304,000 | 458,000 | 615,000 |
| Net interest income | 1,688,000 | 3,346,000 | 5,095,000 | 6,831,000 |
| Noninterest income | 288,000 | 551,000 | 808,000 | 1,074,000 |
| Noninterest expense | 1,225,000 | 2,509,000 | 3,759,000 | 4,904,000 |
| Provision for loan losses | 45,000 | 120,000 | 200,000 | 445,000 |
| Pretax income | 706,000 | 1,308,000 | 2,104,000 | 2,720,000 |
| Income tax | 0 | 2,000 | 2,000 | 14,000 |
| Net income | 706,000 | 1,306,000 | 2,102,000 | 2,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,341,000 | 19,442,000 | 19,738,000 | 20,062,000 |
| Total capital | 20,735,000 | 20,817,000 | 21,055,000 | 21,453,000 |
| Risk-weighted assets | 128,462,000 | 127,409,000 | 135,819,000 | 133,716,000 |