Call reports 2009
NATIONAL BANK OF COMMERCE — 2009
What NATIONAL BANK OF COMMERCE 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 | 571,424,000 | 575,050,000 | 572,702,000 | 569,666,000 |
| Total loans | 394,097,000 | 401,707,000 | 399,873,000 | 395,528,000 |
| Allowance for loan losses | 3,085,000 | 3,685,000 | 4,540,000 | 7,627,000 |
| Securities available for sale | 94,738,000 | 89,545,000 | 95,797,000 | 89,525,000 |
| Securities held to maturity | 43,573,000 | 41,535,000 | 39,540,000 | 38,102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,920,000 | 475,046,000 | 465,704,000 | 463,806,000 |
| Interest-bearing deposits | 395,491,000 | 418,632,000 | 408,673,000 | 404,845,000 |
| Noninterest-bearing deposits | 58,429,000 | 56,414,000 | 57,031,000 | 58,961,000 |
| Equity capital | 51,641,000 | 52,067,000 | 53,416,000 | 58,062,000 |
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 | 7,250,000 | 14,680,000 | 22,052,000 | 29,328,000 |
| Interest expense | 2,755,000 | 5,585,000 | 8,299,000 | 10,726,000 |
| Net interest income | 4,495,000 | 9,095,000 | 13,753,000 | 18,602,000 |
| Noninterest income | 967,000 | 1,957,000 | 2,799,000 | 3,469,000 |
| Noninterest expense | 3,151,000 | 6,486,000 | 9,911,000 | 12,708,000 |
| Provision for loan losses | 286,000 | 969,000 | 1,961,000 | 5,397,000 |
| Pretax income | -490,000 | 681,000 | 1,287,000 | 379,000 |
| Income tax | -350,000 | -44,000 | 20,000 | -525,000 |
| Net income | -140,000 | 725,000 | 1,267,000 | 904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,015,000 | 45,613,000 | 45,958,000 | 51,443,000 |
| Total capital | 48,100,000 | 49,298,000 | 50,498,000 | 57,096,000 |
| Risk-weighted assets | 461,353,000 | 464,939,000 | 459,092,000 | 450,287,000 |
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