Call reports 2004
NORTHWEST COMMERCIAL BANK — 2004
What NORTHWEST COMMERCIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 15,302,000 | 18,939,000 | 21,411,000 | 23,576,000 |
| Total loans | 6,690,000 | 10,742,000 | 13,544,000 | 17,094,000 |
| Allowance for loan losses | 75,000 | 125,000 | 169,000 | 218,000 |
| Securities available for sale | 252,000 | 2,230,000 | 2,043,000 | 1,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,584,000 | 15,397,000 | 17,990,000 | 20,235,000 |
| Interest-bearing deposits | 10,019,000 | 13,598,000 | 15,672,000 | 17,759,000 |
| Noninterest-bearing deposits | 1,565,000 | 1,799,000 | 2,318,000 | 2,476,000 |
| Equity capital | 3,657,000 | 3,479,000 | 3,326,000 | 3,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 95,000 | 293,000 | 549,000 | 884,000 |
| Interest expense | 23,000 | 81,000 | 154,000 | 241,000 |
| Net interest income | 72,000 | 212,000 | 395,000 | 643,000 |
| Noninterest income | 7,000 | 12,000 | 18,000 | 24,000 |
| Noninterest expense | 380,000 | 663,000 | 973,000 | 1,290,000 |
| Provision for loan losses | 10,000 | 60,000 | 104,000 | 153,000 |
| Pretax income | -311,000 | -499,000 | -664,000 | -776,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -311,000 | -499,000 | -664,000 | -776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,656,000 | 3,505,000 | 3,331,000 | 3,219,000 |
| Total capital | 3,731,000 | 3,630,000 | 3,500,000 | 3,437,000 |
| Risk-weighted assets | 8,946,000 | 12,941,000 | 15,692,000 | 18,986,000 |
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