Call reports 2011
NORTHWEST COMMERCIAL BANK — 2011
What NORTHWEST COMMERCIAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 77,450,000 | 74,085,000 | 76,306,000 | 75,091,000 |
| Total loans | 63,069,000 | 60,032,000 | 59,080,000 | 56,463,000 |
| Allowance for loan losses | 1,221,000 | 1,123,000 | 1,305,000 | 990,000 |
| Securities available for sale | 4,083,000 | 4,530,000 | 4,967,000 | 6,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,445,000 | 64,941,000 | 67,285,000 | 66,048,000 |
| Interest-bearing deposits | 56,448,000 | 55,168,000 | 56,871,000 | 55,956,000 |
| Noninterest-bearing deposits | 9,997,000 | 9,773,000 | 10,414,000 | 10,091,000 |
| Equity capital | 8,475,000 | 8,573,000 | 8,425,000 | 8,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 971,000 | 1,930,000 | 2,856,000 | 3,796,000 |
| Interest expense | 215,000 | 416,000 | 601,000 | 771,000 |
| Net interest income | 756,000 | 1,514,000 | 2,255,000 | 3,025,000 |
| Noninterest income | 44,000 | 96,000 | 121,000 | 22,000 |
| Noninterest expense | 675,000 | 1,396,000 | 2,081,000 | 2,401,000 |
| Provision for loan losses | 40,000 | 100,000 | 402,000 | 792,000 |
| Pretax income | 85,000 | 114,000 | -107,000 | -146,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 85,000 | 114,000 | -107,000 | -146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,508,000 | 8,509,000 | 8,262,000 | 8,236,000 |
| Total capital | 9,305,000 | 9,281,000 | 9,016,000 | 8,971,000 |
| Risk-weighted assets | 63,735,000 | 61,770,000 | 60,322,000 | 58,824,000 |