Call reports 2007
NATIONAL BANK OF COMMERCE — 2007
What NATIONAL BANK OF COMMERCE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 402,848,000 | 410,526,000 | 426,790,000 | 422,561,000 |
| Total loans | 211,127,000 | 227,868,000 | 234,558,000 | 237,133,000 |
| Allowance for loan losses | 2,949,000 | 3,025,000 | 3,175,000 | 3,975,000 |
| Securities available for sale | 162,245,000 | 152,676,000 | 159,447,000 | 138,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,744,000 | 317,731,000 | 323,895,000 | 346,911,000 |
| Interest-bearing deposits | 239,020,000 | 262,337,000 | 264,782,000 | 293,985,000 |
| Noninterest-bearing deposits | 55,725,000 | 55,393,000 | 59,112,000 | 52,925,000 |
| Equity capital | 48,233,000 | 45,798,000 | 44,688,000 | 43,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,004,000 | 12,444,000 | 19,041,000 | 25,638,000 |
| Interest expense | 2,807,000 | 5,834,000 | 8,904,000 | 12,023,000 |
| Net interest income | 3,197,000 | 6,610,000 | 10,137,000 | 13,615,000 |
| Noninterest income | 228,000 | 434,000 | 642,000 | 840,000 |
| Noninterest expense | 1,915,000 | 3,822,000 | 5,653,000 | 7,844,000 |
| Provision for loan losses | 75,000 | 150,000 | 300,000 | 1,100,000 |
| Pretax income | 2,024,000 | 3,661,000 | 5,415,000 | 6,100,000 |
| Income tax | 437,000 | 670,000 | 915,000 | 708,000 |
| Net income | 1,587,000 | 2,991,000 | 4,500,000 | 5,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,245,000 | 36,703,000 | 35,302,000 | 33,775,000 |
| Total capital | 40,816,000 | 39,728,000 | 38,477,000 | 37,204,000 |
| Risk-weighted assets | 245,187,000 | 261,304,000 | 271,902,000 | 274,837,000 |