Call reports 2013
COMMERCE STATE BANK — 2013
What COMMERCE STATE BANK 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 | 308,182,000 | 311,212,000 | 313,500,000 | 319,192,000 |
| Total loans | 243,601,000 | 242,798,000 | 243,933,000 | 255,245,000 |
| Allowance for loan losses | 4,241,000 | 4,010,000 | 4,064,000 | 3,807,000 |
| Securities available for sale | 23,383,000 | 24,921,000 | 27,988,000 | 25,850,000 |
| Securities held to maturity | 0 | 0 | 707,000 | 696,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,270,000 | 273,900,000 | 281,500,000 | 286,573,000 |
| Interest-bearing deposits | 249,035,000 | 254,866,000 | 258,095,000 | 261,653,000 |
| Noninterest-bearing deposits | 17,235,000 | 19,034,000 | 23,405,000 | 24,920,000 |
| Equity capital | 31,146,000 | 31,059,000 | 31,063,000 | 31,108,000 |
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 | 3,313,000 | 6,609,000 | 9,926,000 | 13,294,000 |
| Interest expense | 792,000 | 1,558,000 | 2,279,000 | 2,958,000 |
| Net interest income | 2,521,000 | 5,051,000 | 7,647,000 | 10,336,000 |
| Noninterest income | 362,000 | 732,000 | 712,000 | 907,000 |
| Noninterest expense | 1,958,000 | 4,049,000 | 6,122,000 | 8,510,000 |
| Provision for loan losses | 897,000 | 1,722,000 | 2,047,000 | 2,509,000 |
| Pretax income | 28,000 | 12,000 | 190,000 | 224,000 |
| Income tax | -33,000 | -90,000 | -65,000 | -102,000 |
| Net income | 61,000 | 102,000 | 255,000 | 326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,227,000 | 30,313,000 | 30,541,000 | 30,644,000 |
| Total capital | 33,491,000 | 33,569,000 | 33,811,000 | 34,061,000 |
| Risk-weighted assets | 260,082,000 | 259,730,000 | 260,815,000 | 272,982,000 |
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