Call reports 2005
NORTHWEST COMMERCIAL BANK — 2005
What NORTHWEST COMMERCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,214,000 | 35,138,000 | 39,108,000 | 45,733,000 |
| Total loans | 21,464,000 | 26,520,000 | 28,758,000 | 37,808,000 |
| Allowance for loan losses | 268,000 | 321,000 | 371,000 | 416,000 |
| Securities available for sale | 1,518,000 | 1,530,000 | 1,528,000 | 1,525,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,009,000 | 29,858,000 | 33,730,000 | 40,288,000 |
| Interest-bearing deposits | 24,814,000 | 26,693,000 | 29,369,000 | 36,492,000 |
| Noninterest-bearing deposits | 4,195,000 | 3,165,000 | 4,361,000 | 3,796,000 |
| Equity capital | 3,102,000 | 5,125,000 | 5,167,000 | 5,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 405,000 | 946,000 | 1,592,000 | 2,367,000 |
| Interest expense | 121,000 | 298,000 | 521,000 | 795,000 |
| Net interest income | 284,000 | 648,000 | 1,071,000 | 1,572,000 |
| Noninterest income | 10,000 | 19,000 | 72,000 | 89,000 |
| Noninterest expense | 339,000 | 713,000 | 1,096,000 | 1,516,000 |
| Provision for loan losses | 50,000 | 103,000 | 153,000 | 198,000 |
| Pretax income | -95,000 | -149,000 | -106,000 | -53,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -95,000 | -149,000 | -106,000 | -53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,123,000 | 5,139,000 | 5,181,000 | 5,235,000 |
| Total capital | 3,391,000 | 5,460,000 | 5,552,000 | 5,651,000 |
| Risk-weighted assets | 24,255,000 | 28,825,000 | 31,451,000 | 40,023,000 |
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