Call reports 2012
COMMERCE STATE BANK — 2012
What COMMERCE STATE 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 | 304,653,000 | 309,184,000 | 307,647,000 | 311,532,000 |
| Total loans | 245,738,000 | 250,249,000 | 249,537,000 | 246,107,000 |
| Allowance for loan losses | 5,312,000 | 4,933,000 | 4,869,000 | 4,025,000 |
| Securities available for sale | 23,065,000 | 22,532,000 | 22,843,000 | 23,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,690,000 | 263,480,000 | 265,240,000 | 269,210,000 |
| Interest-bearing deposits | 244,208,000 | 250,391,000 | 250,834,000 | 249,649,000 |
| Noninterest-bearing deposits | 14,482,000 | 13,089,000 | 14,406,000 | 19,561,000 |
| Equity capital | 30,317,000 | 30,684,000 | 31,025,000 | 31,111,000 |
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 | 3,597,000 | 7,067,000 | 10,633,000 | 14,160,000 |
| Interest expense | 1,036,000 | 2,027,000 | 2,954,000 | 3,810,000 |
| Net interest income | 2,561,000 | 5,040,000 | 7,679,000 | 10,350,000 |
| Noninterest income | 375,000 | 760,000 | 1,121,000 | 1,592,000 |
| Noninterest expense | 1,811,000 | 3,789,000 | 5,643,000 | 7,712,000 |
| Provision for loan losses | 900,000 | 1,300,000 | 2,000,000 | 2,845,000 |
| Pretax income | 225,000 | 711,000 | 1,157,000 | 1,385,000 |
| Income tax | 48,000 | 200,000 | 334,000 | 380,000 |
| Net income | 177,000 | 511,000 | 823,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,265,000 | 29,631,000 | 29,987,000 | 30,143,000 |
| Total capital | 32,361,000 | 32,918,000 | 33,256,000 | 33,378,000 |
| Risk-weighted assets | 245,501,000 | 261,345,000 | 259,843,000 | 258,060,000 |
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