Call reports 2002
NATIONAL BANK OF COMMERCE — 2002
What NATIONAL BANK OF COMMERCE 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 | 319,780,000 | 314,268,000 | 354,861,000 | 370,064,000 |
| Total loans | 120,849,000 | 122,850,000 | 146,666,000 | 166,761,000 |
| Allowance for loan losses | 1,854,000 | 1,629,000 | 1,851,000 | 2,326,000 |
| Securities available for sale | 170,585,000 | 158,769,000 | 177,508,000 | 176,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,490,000 | 231,737,000 | 239,155,000 | 258,677,000 |
| Interest-bearing deposits | 178,224,000 | 196,041,000 | 198,891,000 | 212,197,000 |
| Noninterest-bearing deposits | 36,266,000 | 35,696,000 | 40,265,000 | 46,480,000 |
| Equity capital | 26,936,000 | 29,388,000 | 31,060,000 | 30,650,000 |
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 | 3,772,000 | 7,810,000 | 11,868,000 | 16,064,000 |
| Interest expense | 2,018,000 | 4,146,000 | 6,277,000 | 8,552,000 |
| Net interest income | 1,754,000 | 3,664,000 | 5,591,000 | 7,512,000 |
| Noninterest income | 190,000 | 389,000 | 602,000 | 787,000 |
| Noninterest expense | 1,291,000 | 2,666,000 | 4,017,000 | 6,111,000 |
| Provision for loan losses | 75,000 | 150,000 | 375,000 | 850,000 |
| Pretax income | 624,000 | 1,722,000 | 2,836,000 | 2,410,000 |
| Income tax | 202,000 | 538,000 | 891,000 | 673,000 |
| Net income | 422,000 | 1,184,000 | 1,945,000 | 1,737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,631,000 | 19,393,000 | 20,150,000 | 19,944,000 |
| Total capital | 20,496,000 | 21,022,000 | 22,001,000 | 22,284,000 |
| Risk-weighted assets | 171,269,000 | 172,400,000 | 188,012,000 | 202,130,000 |