Call reports 2008
NATIONAL BANK OF COMMERCE — 2008
What NATIONAL BANK OF COMMERCE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 414,039,000 | 445,358,000 | 458,807,000 | 419,741,000 |
| Total loans | 234,106,000 | 238,261,000 | 230,111,000 | 234,986,000 |
| Allowance for loan losses | 4,125,000 | 4,273,000 | 4,423,000 | 4,573,000 |
| Securities available for sale | 141,613,000 | 165,594,000 | 100,833,000 | 60,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,606,000 | 341,721,000 | 422,028,000 | 395,868,000 |
| Interest-bearing deposits | 278,925,000 | 285,343,000 | 386,141,000 | 343,977,000 |
| Noninterest-bearing deposits | 56,682,000 | 56,379,000 | 35,887,000 | 51,890,000 |
| Equity capital | 42,508,000 | 41,025,000 | 5,689,000 | 3,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,199,000 | 12,119,000 | 17,012,000 | 20,954,000 |
| Interest expense | 2,771,000 | 5,029,000 | 7,376,000 | 10,387,000 |
| Net interest income | 3,428,000 | 7,090,000 | 9,636,000 | 10,567,000 |
| Noninterest income | 261,000 | 504,000 | 766,000 | 1,020,000 |
| Noninterest expense | 2,015,000 | 4,108,000 | 5,388,000 | 7,791,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,959,000 | 3,621,000 | -52,117,000 | -96,344,000 |
| Income tax | 284,000 | 458,000 | 889,000 | -38,071,000 |
| Net income | 1,675,000 | 3,163,000 | -53,006,000 | -58,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,104,000 | 32,414,000 | -38,986,000 | -45,673,000 |
| Total capital | 36,480,000 | 35,964,000 | -38,986,000 | -45,673,000 |
| Risk-weighted assets | 272,469,000 | 283,273,000 | 250,150,000 | 276,258,000 |