Call reports 2006
NATIONAL BANK OF COMMERCE — 2006
What NATIONAL BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 385,930,000 | 369,982,000 | 373,555,000 | 398,238,000 |
| Total loans | 187,837,000 | 191,718,000 | 195,496,000 | 206,673,000 |
| Allowance for loan losses | 2,649,000 | 2,724,000 | 2,799,000 | 2,874,000 |
| Securities available for sale | 162,299,000 | 147,286,000 | 146,346,000 | 138,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,198,000 | 280,099,000 | 281,810,000 | 312,313,000 |
| Interest-bearing deposits | 225,761,000 | 228,646,000 | 234,570,000 | 255,190,000 |
| Noninterest-bearing deposits | 52,436,000 | 51,452,000 | 47,240,000 | 57,123,000 |
| Equity capital | 40,848,000 | 41,445,000 | 43,531,000 | 45,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,003,000 | 10,178,000 | 15,958,000 | 21,880,000 |
| Interest expense | 2,111,000 | 4,410,000 | 6,858,000 | 9,580,000 |
| Net interest income | 2,892,000 | 5,768,000 | 9,100,000 | 12,300,000 |
| Noninterest income | 149,000 | 329,000 | 514,000 | 728,000 |
| Noninterest expense | 1,743,000 | 3,490,000 | 5,346,000 | 7,348,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,223,000 | 2,669,000 | 4,708,000 | 5,965,000 |
| Income tax | 213,000 | 477,000 | 959,000 | 1,123,000 |
| Net income | 1,010,000 | 2,192,000 | 3,749,000 | 4,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,826,000 | 32,006,000 | 33,566,000 | 34,657,000 |
| Total capital | 34,047,000 | 35,081,000 | 36,708,000 | 38,483,000 |
| Risk-weighted assets | 272,295,000 | 277,859,000 | 276,618,000 | 290,242,000 |