Call reports 2012
NORTHWEST COMMERCIAL BANK — 2012
What NORTHWEST COMMERCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 72,113,000 | 72,153,000 | 75,332,000 | 69,363,000 |
| Total loans | 53,874,000 | 52,697,000 | 57,107,000 | 56,046,000 |
| Allowance for loan losses | 1,016,000 | 806,000 | 862,000 | 912,000 |
| Securities available for sale | 6,355,000 | 6,354,000 | 6,463,000 | 5,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,185,000 | 63,206,000 | 66,254,000 | 59,985,000 |
| Interest-bearing deposits | 52,757,000 | 51,914,000 | 52,329,000 | 48,726,000 |
| Noninterest-bearing deposits | 10,428,000 | 11,292,000 | 13,925,000 | 11,259,000 |
| Equity capital | 8,293,000 | 8,373,000 | 8,521,000 | 8,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 876,000 | 1,714,000 | 2,591,000 | 3,465,000 |
| Interest expense | 147,000 | 272,000 | 379,000 | 471,000 |
| Net interest income | 729,000 | 1,442,000 | 2,212,000 | 2,994,000 |
| Noninterest income | 19,000 | 66,000 | 121,000 | 58,000 |
| Noninterest expense | 767,000 | 1,350,000 | 2,000,000 | 2,673,000 |
| Provision for loan losses | 105,000 | 263,000 | 319,000 | 374,000 |
| Pretax income | -124,000 | -105,000 | 14,000 | 5,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -124,000 | -105,000 | 14,000 | 5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,112,000 | 8,131,000 | 8,250,000 | 8,242,000 |
| Total capital | 8,844,000 | 8,858,000 | 9,027,000 | 8,996,000 |
| Risk-weighted assets | 58,583,000 | 58,169,000 | 62,149,000 | 60,358,000 |