Call reports 2015
COMMERCE STATE BANK — 2015
What COMMERCE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 364,809,000 | 391,150,000 | 401,843,000 | 407,654,000 |
| Total loans | 301,227,000 | 324,719,000 | 335,623,000 | 344,473,000 |
| Allowance for loan losses | 4,256,000 | 4,258,000 | 4,038,000 | 3,860,000 |
| Securities available for sale | 20,148,000 | 20,878,000 | 22,332,000 | 19,236,000 |
| Securities held to maturity | 629,000 | 617,000 | 577,000 | 551,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,113,000 | 347,230,000 | 360,641,000 | 364,962,000 |
| Interest-bearing deposits | 293,198,000 | 315,990,000 | 325,255,000 | 321,877,000 |
| Noninterest-bearing deposits | 32,915,000 | 31,240,000 | 35,386,000 | 43,085,000 |
| Equity capital | 33,312,000 | 35,929,000 | 37,638,000 | 38,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,625,000 | 7,537,000 | 11,626,000 | 15,878,000 |
| Interest expense | 719,000 | 1,502,000 | 2,374,000 | 3,254,000 |
| Net interest income | 2,906,000 | 6,035,000 | 9,252,000 | 12,624,000 |
| Noninterest income | 374,000 | 1,039,000 | 1,621,000 | 2,140,000 |
| Noninterest expense | 2,326,000 | 4,816,000 | 7,518,000 | 10,726,000 |
| Provision for loan losses | 0 | 150,000 | 200,000 | 650,000 |
| Pretax income | 954,000 | 2,108,000 | 3,155,000 | 3,388,000 |
| Income tax | 339,000 | 760,000 | 1,146,000 | 1,229,000 |
| Net income | 615,000 | 1,348,000 | 2,009,000 | 2,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,888,000 | 35,657,000 | 37,337,000 | 38,504,000 |
| Total capital | 37,000,000 | 39,915,000 | 41,375,000 | 42,364,000 |
| Risk-weighted assets | 335,604,000 | 354,525,000 | 366,721,000 | 375,160,000 |