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 | 49,275,000 | 79,313,000 | 92,460,000 | 105,019,000 |
| Total loans | 31,485,000 | 54,768,000 | 72,059,000 | 84,959,000 |
| Allowance for loan losses | 390,000 | 681,000 | 891,000 | 1,062,000 |
| Securities available for sale | 9,490,000 | 11,275,000 | 12,704,000 | 12,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,883,000 | 63,350,000 | 75,541,000 | 79,384,000 |
| Interest-bearing deposits | 33,561,000 | 57,801,000 | 70,001,000 | 74,216,000 |
| Noninterest-bearing deposits | 2,323,000 | 5,549,000 | 5,541,000 | 5,168,000 |
| Equity capital | 9,782,000 | 9,377,000 | 9,030,000 | 11,569,000 |
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 | 532,000 | 1,558,000 | 3,013,000 | 4,722,000 |
| Interest expense | 167,000 | 567,000 | 1,214,000 | 1,969,000 |
| Net interest income | 365,000 | 991,000 | 1,799,000 | 2,753,000 |
| Noninterest income | 25,000 | 66,000 | 101,000 | 145,000 |
| Noninterest expense | 640,000 | 1,487,000 | 2,394,000 | 3,447,000 |
| Provision for loan losses | 128,000 | 420,000 | 629,000 | 800,000 |
| Pretax income | -378,000 | -850,000 | -1,123,000 | -1,349,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -378,000 | -850,000 | -1,123,000 | -1,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,862,000 | 9,395,000 | 9,121,000 | 11,701,000 |
| Total capital | 10,252,000 | 10,076,000 | 9,969,000 | 12,760,000 |
| Risk-weighted assets | 34,511,000 | 55,552,000 | 71,243,000 | 84,685,000 |
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