Call reports 2006
NORTHWEST COMMERCIAL BANK — 2006
What NORTHWEST COMMERCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 50,167,000 | 55,141,000 | 58,239,000 | 61,892,000 |
| Total loans | 40,382,000 | 43,323,000 | 44,635,000 | 45,991,000 |
| Allowance for loan losses | 476,000 | 536,000 | 586,000 | 606,000 |
| Securities available for sale | 1,726,000 | 1,221,000 | 1,233,000 | 1,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,602,000 | 49,456,000 | 52,352,000 | 55,850,000 |
| Interest-bearing deposits | 40,419,000 | 44,890,000 | 46,948,000 | 48,744,000 |
| Noninterest-bearing deposits | 4,183,000 | 4,566,000 | 5,404,000 | 7,106,000 |
| Equity capital | 5,309,000 | 5,395,000 | 5,507,000 | 5,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 844,000 | 1,810,000 | 2,885,000 | 4,003,000 |
| Interest expense | 357,000 | 783,000 | 1,279,000 | 1,825,000 |
| Net interest income | 487,000 | 1,027,000 | 1,606,000 | 2,178,000 |
| Noninterest income | 79,000 | 97,000 | 111,000 | 124,000 |
| Noninterest expense | 416,000 | 831,000 | 1,270,000 | 1,759,000 |
| Provision for loan losses | 60,000 | 120,000 | 170,000 | 190,000 |
| Pretax income | 90,000 | 173,000 | 277,000 | 353,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 90,000 | 173,000 | 277,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,324,000 | 5,413,000 | 5,518,000 | 5,711,000 |
| Total capital | 5,800,000 | 5,949,000 | 6,104,000 | 6,317,000 |
| Risk-weighted assets | 43,008,000 | 46,354,000 | 48,048,000 | 49,852,000 |
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