Call reports 2015
FIRST NATIONAL BANK OF COMMERCE — 2015
What FIRST NATIONAL BANK OF COMMERCE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 188,806,000 | 188,318,000 | 189,980,000 | 193,397,000 |
| Total loans | 127,745,000 | 128,795,000 | 130,439,000 | 126,072,000 |
| Allowance for loan losses | 1,394,000 | 1,418,000 | 1,415,000 | 1,424,000 |
| Securities available for sale | 35,508,000 | 37,779,000 | 40,935,000 | 43,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,990,000 | 171,986,000 | 172,674,000 | 172,607,000 |
| Interest-bearing deposits | 154,189,000 | 157,597,000 | 158,014,000 | 158,582,000 |
| Noninterest-bearing deposits | 13,801,000 | 14,390,000 | 14,660,000 | 14,024,000 |
| Equity capital | 20,008,000 | 15,989,000 | 16,992,000 | 20,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,887,000 | 3,720,000 | 5,606,000 | 7,491,000 |
| Interest expense | 146,000 | 296,000 | 454,000 | 615,000 |
| Net interest income | 1,741,000 | 3,424,000 | 5,152,000 | 6,876,000 |
| Noninterest income | 232,000 | 446,000 | 805,000 | 1,122,000 |
| Noninterest expense | 1,302,000 | 6,640,000 | 8,051,000 | 6,643,000 |
| Provision for loan losses | 15,000 | 70,000 | 95,000 | 135,000 |
| Pretax income | 703,000 | -2,793,000 | -2,142,000 | 1,267,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 702,000 | -2,794,000 | -2,143,000 | 1,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,249,000 | 16,754,000 | 17,404,000 | 20,812,000 |
| Total capital | 21,644,000 | 18,172,000 | 18,819,000 | 22,236,000 |
| Risk-weighted assets | 132,672,000 | 133,991,000 | 136,725,000 | 132,829,000 |