Call reports 2005
NEVADA COMMERCE BANK — 2005
What NEVADA COMMERCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 117,887,000 | 133,242,000 | 132,236,000 | 126,070,000 |
| Total loans | 46,917,000 | 56,701,000 | 63,612,000 | 70,586,000 |
| Allowance for loan losses | 522,000 | 532,000 | 632,000 | 716,000 |
| Securities available for sale | 41,259,000 | 33,741,000 | 32,388,000 | 31,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,885,000 | 123,489,000 | 122,405,000 | 115,911,000 |
| Interest-bearing deposits | 71,373,000 | 82,346,000 | 69,323,000 | 67,117,000 |
| Noninterest-bearing deposits | 37,512,000 | 41,143,000 | 53,082,000 | 48,794,000 |
| Equity capital | 8,667,000 | 9,161,000 | 9,405,000 | 9,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,382,000 | 2,970,000 | 4,763,000 | 6,721,000 |
| Interest expense | 243,000 | 563,000 | 988,000 | 1,323,000 |
| Net interest income | 1,139,000 | 2,407,000 | 3,775,000 | 5,398,000 |
| Noninterest income | 19,000 | 65,000 | 92,000 | 120,000 |
| Noninterest expense | 900,000 | 1,868,000 | 2,818,000 | 3,787,000 |
| Provision for loan losses | 10,000 | 20,000 | 120,000 | 210,000 |
| Pretax income | 248,000 | 584,000 | 929,000 | 1,521,000 |
| Income tax | 47,000 | 199,000 | 303,000 | 520,000 |
| Net income | 201,000 | 385,000 | 626,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,210,000 | 9,425,000 | 9,716,000 | 10,090,000 |
| Total capital | 9,732,000 | 9,957,000 | 10,348,000 | 10,806,000 |
| Risk-weighted assets | 62,792,000 | 74,232,000 | 80,653,000 | 85,519,000 |