Call reports 2004
NATIONAL BANK OF COMMERCE — 2004
What NATIONAL BANK OF COMMERCE 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 | 367,028,000 | 359,278,000 | 369,022,000 | 380,704,000 |
| Total loans | 157,630,000 | 156,144,000 | 166,263,000 | 167,017,000 |
| Allowance for loan losses | 2,110,000 | 2,294,000 | 2,294,000 | 2,294,000 |
| Securities available for sale | 163,199,000 | 163,398,000 | 175,385,000 | 168,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,784,000 | 263,536,000 | 256,242,000 | 282,995,000 |
| Interest-bearing deposits | 214,160,000 | 216,272,000 | 210,752,000 | 235,786,000 |
| Noninterest-bearing deposits | 54,624,000 | 47,264,000 | 45,491,000 | 47,209,000 |
| Equity capital | 35,247,000 | 34,209,000 | 35,311,000 | 34,976,000 |
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 | 3,782,000 | 7,266,000 | 10,787,000 | 14,580,000 |
| Interest expense | 1,926,000 | 3,722,000 | 5,554,000 | 7,483,000 |
| Net interest income | 1,856,000 | 3,544,000 | 5,233,000 | 7,097,000 |
| Noninterest income | 259,000 | 473,000 | 681,000 | 878,000 |
| Noninterest expense | 1,584,000 | 3,025,000 | 4,593,000 | 6,135,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 784,000 | 1,720,000 | 2,049,000 | 2,713,000 |
| Income tax | 97,000 | 203,000 | 178,000 | 152,000 |
| Net income | 687,000 | 1,517,000 | 1,871,000 | 2,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,603,000 | 25,304,000 | 25,333,000 | 25,516,000 |
| Total capital | 26,713,000 | 27,598,000 | 27,627,000 | 27,810,000 |
| Risk-weighted assets | 231,097,000 | 231,450,000 | 254,468,000 | 253,713,000 |