Call reports 2007
NATIONAL BANK OF COMMERCE — 2007
What NATIONAL BANK OF COMMERCE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 209,333,000 | 223,336,000 | 250,852,000 | 261,696,000 |
| Total loans | 173,574,000 | 194,778,000 | 204,376,000 | 222,882,000 |
| Allowance for loan losses | 2,167,000 | 2,410,000 | 2,550,000 | 2,773,000 |
| Securities available for sale | 12,313,000 | 11,604,000 | 11,384,000 | 17,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,334,000 | 190,559,000 | 213,545,000 | 208,805,000 |
| Interest-bearing deposits | 164,156,000 | 177,653,000 | 201,599,000 | 194,671,000 |
| Noninterest-bearing deposits | 12,179,000 | 12,907,000 | 11,945,000 | 14,133,000 |
| Equity capital | 18,799,000 | 18,746,000 | 19,023,000 | 19,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,648,000 | 7,803,000 | 12,388,000 | 17,020,000 |
| Interest expense | 1,837,000 | 4,027,000 | 6,486,000 | 8,972,000 |
| Net interest income | 1,811,000 | 3,776,000 | 5,902,000 | 8,048,000 |
| Noninterest income | 124,000 | 236,000 | 387,000 | 512,000 |
| Noninterest expense | 1,506,000 | 3,174,000 | 4,886,000 | 6,799,000 |
| Provision for loan losses | 303,000 | 546,000 | 926,000 | 1,155,000 |
| Pretax income | 126,000 | 292,000 | 499,000 | 628,000 |
| Income tax | 36,000 | 91,000 | 153,000 | 183,000 |
| Net income | 90,000 | 201,000 | 346,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,323,000 | 18,436,000 | 19,133,000 | 19,423,000 |
| Total capital | 20,490,000 | 20,846,000 | 21,683,000 | 22,196,000 |
| Risk-weighted assets | 186,413,000 | 205,311,000 | 218,898,000 | 232,188,000 |