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 | 386,613,000 | 390,015,000 | 368,311,000 | 371,208,000 |
| Total loans | 296,003,000 | 286,617,000 | 276,744,000 | 279,256,000 |
| Allowance for loan losses | 4,015,000 | 4,018,000 | 4,088,000 | 5,498,000 |
| Securities available for sale | 27,357,000 | 24,734,000 | 24,627,000 | 26,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,759,000 | 331,238,000 | 301,160,000 | 312,791,000 |
| Interest-bearing deposits | 309,521,000 | 293,686,000 | 279,045,000 | 287,290,000 |
| Noninterest-bearing deposits | 20,238,000 | 37,552,000 | 22,115,000 | 25,501,000 |
| Equity capital | 28,000,000 | 29,906,000 | 30,591,000 | 31,086,000 |
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 | 5,077,000 | 9,972,000 | 14,600,000 | 22,318,000 |
| Interest expense | 2,303,000 | 4,523,000 | 6,493,000 | 8,321,000 |
| Net interest income | 2,774,000 | 5,449,000 | 8,107,000 | 13,997,000 |
| Noninterest income | 342,000 | 757,000 | 1,117,000 | 1,336,000 |
| Noninterest expense | 2,555,000 | 6,544,000 | 8,833,000 | 11,665,000 |
| Provision for loan losses | 714,000 | 1,319,000 | 2,879,000 | 5,316,000 |
| Pretax income | -153,000 | -2,157,000 | -2,988,000 | -1,860,000 |
| Income tax | -84,000 | -381,000 | -816,000 | -406,000 |
| Net income | -69,000 | -1,776,000 | -2,172,000 | -1,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,582,000 | 30,569,000 | 30,479,000 | 31,203,000 |
| Total capital | 32,213,000 | 34,066,000 | 33,938,000 | 34,661,000 |
| Risk-weighted assets | 290,092,000 | 279,555,000 | 276,072,000 | 274,632,000 |