Call reports 2003
NATIONAL BANK OF COMMERCE — 2003
What NATIONAL BANK OF COMMERCE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 398,875,000 | 407,094,000 | 398,242,000 | 391,152,000 |
| Total loans | 123,587,000 | 133,092,000 | 152,938,000 | 153,222,000 |
| Allowance for loan losses | 2,326,000 | 2,076,000 | 2,076,000 | 2,076,000 |
| Securities available for sale | 245,423,000 | 241,018,000 | 208,854,000 | 202,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,991,000 | 251,246,000 | 251,042,000 | 270,917,000 |
| Interest-bearing deposits | 221,491,000 | 211,638,000 | 204,829,000 | 221,187,000 |
| Noninterest-bearing deposits | 36,500,000 | 39,608,000 | 46,212,000 | 49,730,000 |
| Equity capital | 31,420,000 | 32,683,000 | 31,907,000 | 32,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,634,000 | 7,491,000 | 11,085,000 | 14,954,000 |
| Interest expense | 2,081,000 | 4,247,000 | 6,303,000 | 8,248,000 |
| Net interest income | 1,553,000 | 3,244,000 | 4,782,000 | 6,706,000 |
| Noninterest income | 201,000 | 447,000 | 692,000 | 939,000 |
| Noninterest expense | 1,392,000 | 2,800,000 | 4,133,000 | 5,709,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 754,000 | 1,475,000 | 2,081,000 | 2,676,000 |
| Income tax | 139,000 | 240,000 | 266,000 | 469,000 |
| Net income | 615,000 | 1,235,000 | 1,815,000 | 2,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,559,000 | 21,179,000 | 21,759,000 | 22,151,000 |
| Total capital | 22,971,000 | 23,455,000 | 23,926,000 | 24,239,000 |
| Risk-weighted assets | 194,114,000 | 215,795,000 | 223,725,000 | 229,374,000 |