Call reports 2005
NATIONAL BANK OF COMMERCE — 2005
What NATIONAL BANK OF COMMERCE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 361,074,000 | 367,614,000 | 363,844,000 | 368,342,000 |
| Total loans | 268,133,000 | 272,307,000 | 261,053,000 | 261,702,000 |
| Allowance for loan losses | 2,031,000 | 2,046,000 | 2,048,000 | 2,009,000 |
| Securities available for sale | 65,935,000 | 66,674,000 | 66,815,000 | 76,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,797,000 | 300,413,000 | 305,682,000 | 307,379,000 |
| Interest-bearing deposits | 251,081,000 | 255,418,000 | 256,326,000 | 258,155,000 |
| Noninterest-bearing deposits | 43,716,000 | 44,995,000 | 49,356,000 | 49,224,000 |
| Equity capital | 38,661,000 | 39,890,000 | 40,790,000 | 40,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,768,000 | 9,939,000 | 15,339,000 | 20,947,000 |
| Interest expense | 1,318,000 | 2,887,000 | 4,718,000 | 6,751,000 |
| Net interest income | 3,450,000 | 7,052,000 | 10,621,000 | 14,196,000 |
| Noninterest income | 500,000 | 1,056,000 | 1,718,000 | 2,286,000 |
| Noninterest expense | 2,109,000 | 4,155,000 | 6,172,000 | 8,173,000 |
| Provision for loan losses | 56,000 | 89,000 | 98,000 | 107,000 |
| Pretax income | 1,785,000 | 3,864,000 | 6,069,000 | 8,202,000 |
| Income tax | 557,000 | 1,234,000 | 2,027,000 | 2,763,000 |
| Net income | 1,228,000 | 2,630,000 | 4,042,000 | 5,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,598,000 | 39,669,000 | 40,738,000 | 41,367,000 |
| Total capital | 40,629,000 | 41,715,000 | 42,786,000 | 43,376,000 |
| Risk-weighted assets | 302,953,000 | 310,028,000 | 302,562,000 | 311,558,000 |
Machine access — free, no API key
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