Call reports 2011
COMMERCE STATE BANK — 2011
What COMMERCE STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 318,851,000 | 319,621,000 | 325,678,000 | 317,378,000 |
| Total loans | 264,308,000 | 264,627,000 | 260,878,000 | 258,922,000 |
| Allowance for loan losses | 4,589,000 | 4,820,000 | 4,542,000 | 5,288,000 |
| Securities available for sale | 23,423,000 | 22,798,000 | 23,467,000 | 23,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,281,000 | 272,875,000 | 280,032,000 | 271,674,000 |
| Interest-bearing deposits | 259,915,000 | 260,583,000 | 266,124,000 | 255,465,000 |
| Noninterest-bearing deposits | 10,366,000 | 12,292,000 | 13,908,000 | 16,209,000 |
| Equity capital | 29,361,000 | 29,694,000 | 30,191,000 | 30,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,883,000 | 7,698,000 | 11,539,000 | 15,380,000 |
| Interest expense | 1,411,000 | 2,759,000 | 4,018,000 | 5,157,000 |
| Net interest income | 2,472,000 | 4,939,000 | 7,521,000 | 10,223,000 |
| Noninterest income | 214,000 | 481,000 | 764,000 | 749,000 |
| Noninterest expense | 1,479,000 | 2,692,000 | 4,454,000 | 6,117,000 |
| Provision for loan losses | 750,000 | 2,525,000 | 3,500,000 | 4,515,000 |
| Pretax income | 457,000 | 203,000 | 331,000 | 340,000 |
| Income tax | 137,000 | -5,000 | 2,000 | -37,000 |
| Net income | 320,000 | 208,000 | 329,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,542,000 | 28,688,000 | 28,990,000 | 29,064,000 |
| Total capital | 31,837,000 | 31,961,000 | 32,249,000 | 32,293,000 |
| Risk-weighted assets | 262,278,000 | 260,366,000 | 259,446,000 | 256,296,000 |
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