Call reports 2013
COMMERCIAL BANKING COMPANY — 2013
What COMMERCIAL BANKING COMPANY 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 | 221,825,000 | 219,755,000 | 221,015,000 | 216,376,000 |
| Total loans | 153,002,000 | 149,159,000 | 145,508,000 | 148,790,000 |
| Allowance for loan losses | 2,812,000 | 2,898,000 | 2,512,000 | 2,610,000 |
| Securities available for sale | 35,846,000 | 36,984,000 | 42,183,000 | 38,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,484,000 | 173,868,000 | 176,719,000 | 172,099,000 |
| Interest-bearing deposits | 136,114,000 | 132,935,000 | 133,895,000 | 131,116,000 |
| Noninterest-bearing deposits | 39,370,000 | 40,933,000 | 42,824,000 | 40,983,000 |
| Equity capital | 28,654,000 | 28,024,000 | 26,583,000 | 26,910,000 |
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 | 2,400,000 | 4,711,000 | 7,022,000 | 9,344,000 |
| Interest expense | 520,000 | 987,000 | 1,417,000 | 1,826,000 |
| Net interest income | 1,880,000 | 3,724,000 | 5,605,000 | 7,518,000 |
| Noninterest income | 433,000 | 871,000 | 1,616,000 | 2,236,000 |
| Noninterest expense | 1,621,000 | 3,222,000 | 5,144,000 | 7,053,000 |
| Provision for loan losses | 250,000 | 335,000 | 360,000 | 460,000 |
| Pretax income | 551,000 | 1,197,000 | 1,876,000 | 2,402,000 |
| Income tax | 152,000 | 357,000 | 559,000 | 707,000 |
| Net income | 399,000 | 840,000 | 1,317,000 | 1,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,870,000 | 29,311,000 | 28,225,000 | 28,606,000 |
| Total capital | 30,773,000 | 31,223,000 | 30,128,000 | 30,505,000 |
| Risk-weighted assets | 151,351,000 | 151,946,000 | 151,644,000 | 151,187,000 |