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 | 102,600,000 | 98,425,000 | 99,998,000 | 99,542,000 |
| Total loans | 38,172,000 | 37,660,000 | 35,475,000 | 34,872,000 |
| Allowance for loan losses | 451,000 | 451,000 | 451,000 | 451,000 |
| Securities available for sale | 11,663,000 | 14,683,000 | 15,588,000 | 18,250,000 |
| Securities held to maturity | 19,064,000 | 20,069,000 | 15,686,000 | 14,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,561,000 | 87,075,000 | 89,185,000 | 89,016,000 |
| Interest-bearing deposits | 77,382,000 | 74,010,000 | 74,927,000 | 74,954,000 |
| Noninterest-bearing deposits | 14,179,000 | 13,065,000 | 14,258,000 | 14,062,000 |
| Equity capital | 10,075,000 | 10,183,000 | 10,235,000 | 10,223,000 |
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 | 676,000 | 1,315,000 | 1,931,000 | 2,538,000 |
| Interest expense | 117,000 | 219,000 | 319,000 | 415,000 |
| Net interest income | 559,000 | 1,096,000 | 1,612,000 | 2,123,000 |
| Noninterest income | 93,000 | 194,000 | 300,000 | 410,000 |
| Noninterest expense | 592,000 | 1,173,000 | 1,755,000 | 2,420,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 60,000 | 117,000 | 157,000 | 113,000 |
| Income tax | 17,000 | 34,000 | 44,000 | -24,000 |
| Net income | 43,000 | 83,000 | 113,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,990,000 | 10,030,000 | 10,060,000 | 10,074,000 |
| Total capital | 10,441,000 | 10,481,000 | 10,511,000 | 10,525,000 |
| Risk-weighted assets | 45,876,000 | 45,539,000 | 43,078,000 | 43,147,000 |