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 | 276,071,000 | 313,783,000 | 350,108,000 | 358,830,000 |
| Total loans | 225,542,000 | 245,077,000 | 294,733,000 | 309,666,000 |
| Allowance for loan losses | 2,898,000 | 3,162,000 | 4,000,000 | 4,144,000 |
| Securities available for sale | 25,598,000 | 30,749,000 | 29,710,000 | 29,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,660,000 | 246,329,000 | 286,943,000 | 287,858,000 |
| Interest-bearing deposits | 210,003,000 | 229,836,000 | 267,733,000 | 268,193,000 |
| Noninterest-bearing deposits | 15,658,000 | 16,492,000 | 19,210,000 | 19,665,000 |
| Equity capital | 21,033,000 | 24,076,000 | 27,812,000 | 28,053,000 |
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 | 4,539,000 | 9,134,000 | 14,077,000 | 19,258,000 |
| Interest expense | 2,389,000 | 4,633,000 | 6,980,000 | 9,384,000 |
| Net interest income | 2,150,000 | 4,501,000 | 7,097,000 | 9,874,000 |
| Noninterest income | 156,000 | 798,000 | 478,000 | 1,099,000 |
| Noninterest expense | 1,972,000 | 4,660,000 | 6,787,000 | 9,384,000 |
| Provision for loan losses | 175,000 | 443,000 | 1,562,000 | 1,959,000 |
| Pretax income | 273,000 | 310,000 | -631,000 | -123,000 |
| Income tax | 66,000 | 44,000 | -307,000 | -142,000 |
| Net income | 207,000 | 266,000 | -324,000 | 19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,212,000 | 24,878,000 | 28,423,000 | 28,644,000 |
| Total capital | 24,110,000 | 28,040,000 | 32,168,000 | 32,489,000 |
| Risk-weighted assets | 239,635,000 | 262,394,000 | 299,357,000 | 307,334,000 |