Call reports 2012
COMMERCIAL BANK — 2012
What COMMERCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 376,950,000 | 363,924,000 | 365,125,000 | 363,333,000 |
| Total loans | 284,194,000 | 278,935,000 | 278,393,000 | 276,659,000 |
| Allowance for loan losses | 2,835,000 | 2,342,000 | 2,573,000 | 2,787,000 |
| Securities available for sale | 39,821,000 | 43,835,000 | 42,395,000 | 48,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,897,000 | 312,062,000 | 313,164,000 | 308,333,000 |
| Interest-bearing deposits | 273,097,000 | 264,751,000 | 262,960,000 | 259,595,000 |
| Noninterest-bearing deposits | 50,800,000 | 47,311,000 | 50,204,000 | 48,738,000 |
| Equity capital | 29,874,000 | 30,240,000 | 30,412,000 | 30,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,376,000 | 8,612,000 | 12,793,000 | 16,864,000 |
| Interest expense | 1,226,000 | 2,384,000 | 3,500,000 | 4,559,000 |
| Net interest income | 3,150,000 | 6,228,000 | 9,293,000 | 12,305,000 |
| Noninterest income | 302,000 | 518,000 | 1,013,000 | 1,542,000 |
| Noninterest expense | 2,601,000 | 5,135,000 | 7,562,000 | 9,875,000 |
| Provision for loan losses | 301,000 | 601,000 | 903,000 | 1,279,000 |
| Pretax income | 823,000 | 1,559,000 | 2,390,000 | 3,244,000 |
| Income tax | 255,000 | 457,000 | 674,000 | 923,000 |
| Net income | 568,000 | 1,102,000 | 1,716,000 | 2,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,066,000 | 29,286,000 | 29,368,000 | 29,649,000 |
| Total capital | 31,894,000 | 31,628,000 | 31,941,000 | 32,390,000 |
| Risk-weighted assets | 226,196,000 | 219,930,000 | 218,912,000 | 219,266,000 |