Call reports 2004
NEVADA COMMERCE BANK — 2004
What NEVADA COMMERCE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,588,000 | 99,780,000 | 101,110,000 | 110,791,000 |
| Total loans | 40,778,000 | 41,609,000 | 49,390,000 | 49,931,000 |
| Allowance for loan losses | 330,000 | 355,000 | 417,000 | 512,000 |
| Securities available for sale | 27,616,000 | 29,393,000 | 28,235,000 | 35,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,772,000 | 91,058,000 | 92,139,000 | 101,573,000 |
| Interest-bearing deposits | 57,638,000 | 58,884,000 | 54,709,000 | 65,615,000 |
| Noninterest-bearing deposits | 30,134,000 | 32,174,000 | 37,430,000 | 35,958,000 |
| Equity capital | 6,553,000 | 5,787,000 | 8,688,000 | 8,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 945,000 | 1,973,000 | 3,128,000 | 4,407,000 |
| Interest expense | 150,000 | 313,000 | 492,000 | 722,000 |
| Net interest income | 795,000 | 1,660,000 | 2,636,000 | 3,685,000 |
| Noninterest income | 42,000 | 85,000 | 144,000 | 170,000 |
| Noninterest expense | 675,000 | 1,401,000 | 2,150,000 | 2,911,000 |
| Provision for loan losses | 10,000 | 35,000 | 103,000 | 198,000 |
| Pretax income | 152,000 | 311,000 | 529,000 | 748,000 |
| Income tax | 0 | 0 | 0 | 90,000 |
| Net income | 152,000 | 311,000 | 529,000 | 658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,454,000 | 6,614,000 | 8,879,000 | 9,008,000 |
| Total capital | 6,784,000 | 6,969,000 | 9,296,000 | 9,520,000 |
| Risk-weighted assets | 55,152,000 | 56,836,000 | 62,217,000 | 62,838,000 |