Call reports 2003
NORTHWEST COMMERCIAL BANK — 2003
What NORTHWEST COMMERCIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 5,500,000 | 6,101,000 | 6,554,000 | 7,569,000 |
| Total loans | 2,426,000 | 3,432,000 | 4,066,000 | 5,051,000 |
| Allowance for loan losses | 31,000 | 43,000 | 45,000 | 65,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,449,000 | 2,264,000 | 2,900,000 | 4,075,000 |
| Interest-bearing deposits | 610,000 | 1,188,000 | 1,751,000 | 3,172,000 |
| Noninterest-bearing deposits | 839,000 | 1,077,000 | 1,149,000 | 903,000 |
| Equity capital | 4,043,000 | 3,823,000 | 3,630,000 | 3,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 42,000 | 97,000 | 166,000 | 252,000 |
| Interest expense | 2,000 | 4,000 | 9,000 | 18,000 |
| Net interest income | 40,000 | 93,000 | 157,000 | 234,000 |
| Noninterest income | 3,000 | 6,000 | 10,000 | 8,000 |
| Noninterest expense | 248,000 | 513,000 | 771,000 | 1,022,000 |
| Provision for loan losses | 12,000 | 24,000 | 26,000 | 46,000 |
| Pretax income | -217,000 | -438,000 | -630,000 | -826,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -217,000 | -438,000 | -630,000 | -826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,043,000 | 3,823,000 | 3,630,000 | 3,433,000 |
| Total capital | 4,074,000 | 3,866,000 | 3,675,000 | 3,498,000 |
| Risk-weighted assets | 3,491,000 | 3,580,000 | 3,533,000 | 5,606,000 |
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