Call reports 2005
NATIONAL BANK OF COMMERCE — 2005
What NATIONAL BANK OF COMMERCE 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 | 384,630,000 | 375,674,000 | 373,604,000 | 389,145,000 |
| Total loans | 175,750,000 | 182,593,000 | 186,440,000 | 187,508,000 |
| Allowance for loan losses | 2,294,000 | 2,274,000 | 2,424,000 | 2,574,000 |
| Securities available for sale | 166,261,000 | 155,073,000 | 150,340,000 | 156,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,639,000 | 275,847,000 | 277,011,000 | 297,573,000 |
| Interest-bearing deposits | 234,617,000 | 221,759,000 | 224,209,000 | 239,517,000 |
| Noninterest-bearing deposits | 53,022,000 | 54,087,000 | 52,802,000 | 58,057,000 |
| Equity capital | 35,746,000 | 36,480,000 | 37,965,000 | 38,065,000 |
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 | 4,082,000 | 8,576,000 | 13,213,000 | 18,025,000 |
| Interest expense | 1,977,000 | 3,872,000 | 5,763,000 | 7,807,000 |
| Net interest income | 2,105,000 | 4,704,000 | 7,450,000 | 10,218,000 |
| Noninterest income | 162,000 | 369,000 | 1,180,000 | 1,350,000 |
| Noninterest expense | 1,680,000 | 3,348,000 | 5,260,000 | 7,079,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 300,000 |
| Pretax income | 587,000 | 1,726,000 | 3,221,000 | 3,897,000 |
| Income tax | -2,000 | 201,000 | 519,000 | 794,000 |
| Net income | 589,000 | 1,525,000 | 2,702,000 | 3,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,779,000 | 27,095,000 | 28,709,000 | 28,745,000 |
| Total capital | 29,073,000 | 29,369,000 | 31,133,000 | 31,319,000 |
| Risk-weighted assets | 259,596,000 | 263,345,000 | 265,241,000 | 271,223,000 |