Call reports 2009
NORTHWEST COMMERCIAL BANK — 2009
What NORTHWEST COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 80,436,000 | 81,191,000 | 83,047,000 | 74,337,000 |
| Total loans | 67,242,000 | 69,377,000 | 68,122,000 | 61,461,000 |
| Allowance for loan losses | 1,024,000 | 951,000 | 1,140,000 | 1,162,000 |
| Securities available for sale | 2,585,000 | 4,485,000 | 4,518,000 | 3,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,296,000 | 69,174,000 | 71,457,000 | 62,750,000 |
| Interest-bearing deposits | 62,969,000 | 62,165,000 | 56,181,000 | 53,502,000 |
| Noninterest-bearing deposits | 7,327,000 | 7,009,000 | 15,276,000 | 9,248,000 |
| Equity capital | 9,691,000 | 9,554,000 | 9,123,000 | 9,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,014,000 | 2,154,000 | 3,415,000 | 4,552,000 |
| Interest expense | 417,000 | 813,000 | 1,153,000 | 1,437,000 |
| Net interest income | 597,000 | 1,341,000 | 2,262,000 | 3,115,000 |
| Noninterest income | 35,000 | 67,000 | 124,000 | 179,000 |
| Noninterest expense | 637,000 | 1,293,000 | 1,996,000 | 2,739,000 |
| Provision for loan losses | 155,000 | 320,000 | 1,035,000 | 1,200,000 |
| Pretax income | -160,000 | -160,000 | -585,000 | -585,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -160,000 | -160,000 | -585,000 | -585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,598,000 | 9,549,000 | 9,096,000 | 9,070,000 |
| Total capital | 10,502,000 | 10,482,000 | 9,986,000 | 9,856,000 |
| Risk-weighted assets | 72,506,000 | 74,544,000 | 71,109,000 | 62,892,000 |
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