Call reports 2008
NATIONAL BANK OF COMMERCE — 2008
What NATIONAL BANK OF COMMERCE 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 | 447,959,000 | 455,113,000 | 450,526,000 | 571,885,000 |
| Total loans | 306,632,000 | 309,123,000 | 302,461,000 | 386,650,000 |
| Allowance for loan losses | 1,667,000 | 1,716,000 | 1,500,000 | 2,862,000 |
| Securities available for sale | 68,993,000 | 68,569,000 | 71,960,000 | 94,191,000 |
| Securities held to maturity | 39,165,000 | 42,058,000 | 46,480,000 | 47,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,729,000 | 336,096,000 | 353,238,000 | 440,728,000 |
| Interest-bearing deposits | 290,517,000 | 276,983,000 | 298,644,000 | 374,467,000 |
| Noninterest-bearing deposits | 47,212,000 | 59,113,000 | 54,594,000 | 66,261,000 |
| Equity capital | 49,893,000 | 49,194,000 | 35,378,000 | 51,300,000 |
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 | 6,762,000 | 13,315,000 | 19,915,000 | 27,126,000 |
| Interest expense | 2,734,000 | 5,079,000 | 7,528,000 | 10,134,000 |
| Net interest income | 4,028,000 | 8,236,000 | 12,387,000 | 16,992,000 |
| Noninterest income | 716,000 | 1,435,000 | 2,161,000 | 2,777,000 |
| Noninterest expense | 2,500,000 | 4,965,000 | 7,400,000 | 10,098,000 |
| Provision for loan losses | 250,000 | 306,000 | 470,000 | 1,176,000 |
| Pretax income | 1,997,000 | 4,403,000 | 3,857,000 | 5,580,000 |
| Income tax | 573,000 | 1,370,000 | 937,000 | 1,450,000 |
| Net income | 1,424,000 | 3,033,000 | 2,920,000 | 4,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,259,000 | 49,429,000 | 35,883,000 | 45,111,000 |
| Total capital | 50,926,000 | 51,145,000 | 37,383,000 | 47,973,000 |
| Risk-weighted assets | 355,194,000 | 357,883,000 | 352,341,000 | 456,930,000 |
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