Call reports 2012
COMMERCIAL BANKING COMPANY — 2012
What COMMERCIAL BANKING COMPANY 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 | 211,421,000 | 212,229,000 | 210,854,000 | 213,221,000 |
| Total loans | 144,261,000 | 150,678,000 | 150,554,000 | 152,677,000 |
| Allowance for loan losses | 2,393,000 | 2,405,000 | 2,452,000 | 2,557,000 |
| Securities available for sale | 28,014,000 | 31,944,000 | 33,411,000 | 33,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,812,000 | 165,092,000 | 164,740,000 | 167,260,000 |
| Interest-bearing deposits | 131,449,000 | 130,895,000 | 126,503,000 | 130,044,000 |
| Noninterest-bearing deposits | 33,363,000 | 34,197,000 | 38,237,000 | 37,216,000 |
| Equity capital | 28,869,000 | 29,298,000 | 28,289,000 | 28,487,000 |
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 | 2,459,000 | 4,952,000 | 7,468,000 | 9,964,000 |
| Interest expense | 650,000 | 1,261,000 | 1,836,000 | 2,374,000 |
| Net interest income | 1,809,000 | 3,691,000 | 5,632,000 | 7,590,000 |
| Noninterest income | 226,000 | 630,000 | 1,015,000 | 1,411,000 |
| Noninterest expense | 1,547,000 | 3,222,000 | 4,882,000 | 6,591,000 |
| Provision for loan losses | 95,000 | 195,000 | 380,000 | 600,000 |
| Pretax income | 530,000 | 1,094,000 | 1,691,000 | 2,140,000 |
| Income tax | 146,000 | 310,000 | 521,000 | 642,000 |
| Net income | 384,000 | 784,000 | 1,170,000 | 1,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,797,000 | 29,326,000 | 28,143,000 | 28,471,000 |
| Total capital | 27,639,000 | 31,265,000 | 30,053,000 | 30,379,000 |
| Risk-weighted assets | 146,946,000 | 154,641,000 | 152,249,000 | 151,966,000 |