Call reports 2013
COMMERCIAL BANK — 2013
What COMMERCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 375,714,000 | 373,026,000 | 373,534,000 | 365,506,000 |
| Total loans | 271,128,000 | 275,648,000 | 274,857,000 | 266,452,000 |
| Allowance for loan losses | 2,777,000 | 2,927,000 | 2,902,000 | 2,779,000 |
| Securities available for sale | 60,239,000 | 59,280,000 | 59,142,000 | 60,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,438,000 | 320,523,000 | 321,784,000 | 317,144,000 |
| Interest-bearing deposits | 274,055,000 | 270,788,000 | 275,545,000 | 267,750,000 |
| Noninterest-bearing deposits | 49,383,000 | 49,735,000 | 46,239,000 | 49,394,000 |
| Equity capital | 30,836,000 | 30,007,000 | 30,290,000 | 30,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,973,000 | 7,773,000 | 11,596,000 | 15,292,000 |
| Interest expense | 995,000 | 1,963,000 | 2,946,000 | 3,883,000 |
| Net interest income | 2,978,000 | 5,810,000 | 8,650,000 | 11,409,000 |
| Noninterest income | 382,000 | 822,000 | 1,271,000 | 1,594,000 |
| Noninterest expense | 2,321,000 | 4,535,000 | 6,815,000 | 8,990,000 |
| Provision for loan losses | 226,000 | 378,000 | 455,000 | 482,000 |
| Pretax income | 819,000 | 1,741,000 | 2,673,000 | 3,547,000 |
| Income tax | 202,000 | 433,000 | 618,000 | 829,000 |
| Net income | 617,000 | 1,308,000 | 2,055,000 | 2,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,935,000 | 30,216,000 | 30,540,000 | 30,855,000 |
| Total capital | 32,644,000 | 32,972,000 | 33,325,000 | 33,550,000 |
| Risk-weighted assets | 216,629,000 | 220,298,000 | 222,662,000 | 215,597,000 |