Call reports 2008
NEVADA COMMERCE BANK — 2008
What NEVADA COMMERCE BANK 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 | 177,592,000 | 174,009,000 | 174,485,000 | 182,315,000 |
| Total loans | 104,977,000 | 110,371,000 | 113,205,000 | 125,180,000 |
| Allowance for loan losses | 1,320,000 | 1,794,000 | 2,253,000 | 2,435,000 |
| Securities available for sale | 46,777,000 | 50,412,000 | 44,345,000 | 33,950,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,359,000 | 124,678,000 | 124,648,000 | 156,874,000 |
| Interest-bearing deposits | 122,799,000 | 120,208,000 | 117,254,000 | 148,240,000 |
| Noninterest-bearing deposits | 3,561,000 | 4,470,000 | 7,394,000 | 8,634,000 |
| Equity capital | 17,983,000 | 15,802,000 | 15,970,000 | 14,409,000 |
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 | 2,534,000 | 5,135,000 | 7,615,000 | 9,921,000 |
| Interest expense | 927,000 | 1,837,000 | 2,690,000 | 3,455,000 |
| Net interest income | 1,607,000 | 3,298,000 | 4,925,000 | 6,466,000 |
| Noninterest income | 28,000 | 53,000 | 248,000 | 368,000 |
| Noninterest expense | 1,469,000 | 3,192,000 | 4,744,000 | 6,614,000 |
| Provision for loan losses | 570,000 | 1,034,000 | 1,493,000 | 5,600,000 |
| Pretax income | -226,000 | -697,000 | -889,000 | -4,958,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -226,000 | -697,000 | -889,000 | -4,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,659,000 | 17,189,000 | 16,998,000 | 14,028,000 |
| Total capital | 19,104,000 | 18,795,000 | 18,588,000 | 15,737,000 |
| Risk-weighted assets | 122,244,000 | 127,341,000 | 125,610,000 | 135,810,000 |