Call reports 2014
NATIONAL BANK OF COMMERCE — 2014
What 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 | 750,468,000 | 782,662,000 | 897,447,000 | 907,983,000 |
| Total loans | 567,584,000 | 599,987,000 | 717,213,000 | 744,992,000 |
| Allowance for loan losses | 9,162,000 | 8,974,000 | 9,018,000 | 9,802,000 |
| Securities available for sale | 46,955,000 | 45,986,000 | 34,439,000 | 33,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 637,039,000 | 668,084,000 | 767,690,000 | 775,539,000 |
| Interest-bearing deposits | 503,393,000 | 511,443,000 | 608,697,000 | 604,596,000 |
| Noninterest-bearing deposits | 133,646,000 | 156,641,000 | 158,993,000 | 170,943,000 |
| Equity capital | 88,946,000 | 90,491,000 | 92,156,000 | 94,268,000 |
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 | 6,208,000 | 12,657,000 | 20,764,000 | 31,000,000 |
| Interest expense | 659,000 | 1,293,000 | 2,023,000 | 2,831,000 |
| Net interest income | 5,549,000 | 11,364,000 | 18,741,000 | 28,169,000 |
| Noninterest income | 967,000 | 2,291,000 | 3,644,000 | 5,042,000 |
| Noninterest expense | 4,879,000 | 10,187,000 | 16,022,000 | 22,701,000 |
| Provision for loan losses | 0 | 0 | 152,000 | 978,000 |
| Pretax income | 1,637,000 | 3,468,000 | 6,178,000 | 9,499,000 |
| Income tax | 592,000 | 1,211,000 | 2,111,000 | 3,241,000 |
| Net income | 1,045,000 | 2,257,000 | 3,859,000 | 5,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,188,000 | 87,189,000 | 74,916,000 | 74,927,000 |
| Total capital | 92,269,000 | 94,681,000 | 83,811,000 | 84,147,000 |
| Risk-weighted assets | 564,397,000 | 597,848,000 | 711,480,000 | 737,137,000 |