Call reports 2002
NATIONAL BANK OF COMMERCE IN SUPERIOR — 2002
What NATIONAL BANK OF COMMERCE IN SUPERIOR reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 214,552,000 | 224,888,000 | 227,862,000 | 230,647,000 |
| Total loans | 142,349,000 | 147,306,000 | 146,602,000 | 151,984,000 |
| Allowance for loan losses | 1,491,000 | 1,492,000 | 1,478,000 | 1,448,000 |
| Securities available for sale | 47,365,000 | 50,173,000 | 49,646,000 | 50,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,347,000 | 177,023,000 | 183,418,000 | 189,386,000 |
| Interest-bearing deposits | 149,946,000 | 148,742,000 | 155,182,000 | 153,647,000 |
| Noninterest-bearing deposits | 23,401,000 | 28,281,000 | 28,236,000 | 35,739,000 |
| Equity capital | 22,134,000 | 23,446,000 | 24,625,000 | 25,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,273,000 | 6,524,000 | 9,835,000 | 13,057,000 |
| Interest expense | 858,000 | 1,739,000 | 2,613,000 | 3,405,000 |
| Net interest income | 2,415,000 | 4,785,000 | 7,222,000 | 9,652,000 |
| Noninterest income | 431,000 | 901,000 | 1,309,000 | 1,733,000 |
| Noninterest expense | 1,275,000 | 2,585,000 | 3,954,000 | 5,241,000 |
| Provision for loan losses | 51,000 | 64,000 | 76,000 | 89,000 |
| Pretax income | 1,520,000 | 3,037,000 | 4,505,000 | 6,059,000 |
| Income tax | 404,000 | 822,000 | 1,221,000 | 1,657,000 |
| Net income | 1,116,000 | 2,215,000 | 3,284,000 | 4,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,278,000 | 22,353,000 | 23,150,000 | 23,902,000 |
| Total capital | 22,776,000 | 23,845,000 | 24,628,000 | 25,350,000 |
| Risk-weighted assets | 161,662,000 | 167,845,000 | 164,058,000 | 170,179,000 |