Call reports 2012
NATIONAL BANK OF COMMERCE — 2012
What NATIONAL BANK OF COMMERCE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 494,475,000 | 541,069,000 | 625,509,000 | 692,905,000 |
| Total loans | 337,805,000 | 382,418,000 | 393,405,000 | 455,288,000 |
| Allowance for loan losses | 10,588,000 | 10,239,000 | 9,279,000 | 10,020,000 |
| Securities available for sale | 47,867,000 | 45,914,000 | 43,319,000 | 40,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,464,000 | 423,840,000 | 508,798,000 | 581,243,000 |
| Interest-bearing deposits | 327,338,000 | 365,413,000 | 421,484,000 | 513,255,000 |
| Noninterest-bearing deposits | 51,126,000 | 58,427,000 | 87,314,000 | 67,988,000 |
| Equity capital | 82,557,000 | 83,370,000 | 84,292,000 | 84,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,563,000 | 9,541,000 | 14,717,000 | 19,952,000 |
| Interest expense | 797,000 | 1,651,000 | 2,489,000 | 3,280,000 |
| Net interest income | 3,766,000 | 7,890,000 | 12,228,000 | 16,672,000 |
| Noninterest income | 860,000 | 1,818,000 | 3,518,000 | 4,951,000 |
| Noninterest expense | 4,036,000 | 8,184,000 | 12,845,000 | 18,273,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 125,000 |
| Pretax income | 590,000 | 1,524,000 | 2,601,000 | 3,225,000 |
| Income tax | 189,000 | 506,000 | 876,000 | 1,108,000 |
| Net income | 401,000 | 1,018,000 | 1,725,000 | 2,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,645,000 | 74,695,000 | 76,842,000 | 77,270,000 |
| Total capital | 77,668,000 | 79,271,000 | 81,638,000 | 82,881,000 |
| Risk-weighted assets | 315,267,000 | 360,396,000 | 379,194,000 | 444,492,000 |