Call reports 2008
NORTHWEST COMMERCIAL BANK — 2008
What NORTHWEST COMMERCIAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 69,514,000 | 73,304,000 | 73,946,000 | 74,631,000 |
| Total loans | 60,959,000 | 62,928,000 | 61,390,000 | 61,199,000 |
| Allowance for loan losses | 632,000 | 712,000 | 802,000 | 881,000 |
| Securities available for sale | 1,280,000 | 1,529,000 | 1,532,000 | 2,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,227,000 | 64,982,000 | 65,664,000 | 66,338,000 |
| Interest-bearing deposits | 55,002,000 | 58,822,000 | 59,047,000 | 60,078,000 |
| Noninterest-bearing deposits | 6,225,000 | 6,160,000 | 6,617,000 | 6,260,000 |
| Equity capital | 7,987,000 | 7,978,000 | 8,007,000 | 7,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,181,000 | 2,358,000 | 3,540,000 | 4,646,000 |
| Interest expense | 602,000 | 1,192,000 | 1,734,000 | 2,234,000 |
| Net interest income | 579,000 | 1,166,000 | 1,806,000 | 2,412,000 |
| Noninterest income | 28,000 | 53,000 | 81,000 | 108,000 |
| Noninterest expense | 547,000 | 1,085,000 | 1,574,000 | 2,179,000 |
| Provision for loan losses | 90,000 | 180,000 | 285,000 | 535,000 |
| Pretax income | -30,000 | -46,000 | 28,000 | -194,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -30,000 | -46,000 | 28,000 | -194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,968,000 | 7,976,000 | 8,003,000 | 7,781,000 |
| Total capital | 8,600,000 | 8,688,000 | 8,805,000 | 8,620,000 |
| Risk-weighted assets | 65,428,000 | 67,358,000 | 66,405,000 | 66,709,000 |
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