Call reports 2006
COMMERCE STATE BANK — 2006
What COMMERCE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 54,002,000 | 77,551,000 | 100,644,000 | 109,826,000 |
| Total loans | 44,705,000 | 65,112,000 | 86,177,000 | 91,459,000 |
| Allowance for loan losses | 607,000 | 863,000 | 1,363,000 | 1,363,000 |
| Securities available for sale | 3,196,000 | 5,446,000 | 6,423,000 | 6,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,084,000 | 66,581,000 | 89,175,000 | 98,011,000 |
| Interest-bearing deposits | 39,003,000 | 64,154,000 | 87,083,000 | 96,348,000 |
| Noninterest-bearing deposits | 4,081,000 | 2,427,000 | 2,092,000 | 1,663,000 |
| Equity capital | 10,693,000 | 10,544,000 | 10,842,000 | 10,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 642,000 | 1,682,000 | 3,359,000 | 5,209,000 |
| Interest expense | 325,000 | 936,000 | 1,927,000 | 3,167,000 |
| Net interest income | 317,000 | 746,000 | 1,432,000 | 2,042,000 |
| Noninterest income | 39,000 | 78,000 | 2,000 | 5,000 |
| Noninterest expense | 289,000 | 660,000 | 1,091,000 | 1,584,000 |
| Provision for loan losses | 275,000 | 531,000 | 1,031,000 | 1,031,000 |
| Pretax income | -208,000 | -367,000 | -688,000 | -568,000 |
| Income tax | 0 | 0 | -661,000 | -609,000 |
| Net income | -208,000 | -367,000 | -27,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,674,000 | 10,536,000 | 10,891,000 | 10,973,000 |
| Total capital | 11,267,000 | 11,392,000 | 12,012,000 | 12,158,000 |
| Risk-weighted assets | 47,405,000 | 68,795,000 | 92,427,000 | 102,086,000 |
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