Call reports 2016
FIRST NATIONAL BANK OF COMMERCE — 2016
What FIRST NATIONAL BANK OF COMMERCE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 206,645,000 | 201,032,000 | 203,418,000 | 208,277,000 |
| Total loans | 125,080,000 | 126,887,000 | 127,745,000 | 123,779,000 |
| Allowance for loan losses | 1,443,000 | 1,400,000 | 1,408,000 | 1,411,000 |
| Securities available for sale | 48,413,000 | 51,384,000 | 51,540,000 | 57,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,980,000 | 178,776,000 | 180,948,000 | 187,922,000 |
| Interest-bearing deposits | 172,059,000 | 165,185,000 | 167,815,000 | 170,517,000 |
| Noninterest-bearing deposits | 12,921,000 | 13,591,000 | 13,133,000 | 17,405,000 |
| Equity capital | 20,797,000 | 21,516,000 | 21,676,000 | 19,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,875,000 | 3,772,000 | 5,680,000 | 7,605,000 |
| Interest expense | 157,000 | 327,000 | 497,000 | 671,000 |
| Net interest income | 1,718,000 | 3,445,000 | 5,183,000 | 6,934,000 |
| Noninterest income | 316,000 | 619,000 | 905,000 | 1,217,000 |
| Noninterest expense | 1,494,000 | 2,924,000 | 4,583,000 | 5,931,000 |
| Provision for loan losses | 28,000 | 188,000 | 258,000 | 268,000 |
| Pretax income | 520,000 | 972,000 | 1,308,000 | 2,015,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 520,000 | 972,000 | 1,308,000 | 2,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,932,000 | 21,184,000 | 21,320,000 | 21,627,000 |
| Total capital | 22,375,000 | 22,584,000 | 22,728,000 | 23,038,000 |
| Risk-weighted assets | 134,212,000 | 134,023,000 | 134,757,000 | 132,527,000 |