Call reports 2016
COMMERCE STATE BANK — 2016
What COMMERCE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 446,550,000 | 467,900,000 | 471,173,000 | 494,432,000 |
| Total loans | 364,193,000 | 391,320,000 | 397,314,000 | 418,694,000 |
| Allowance for loan losses | 3,921,000 | 4,280,000 | 4,321,000 | 4,611,000 |
| Securities available for sale | 20,782,000 | 23,075,000 | 23,069,000 | 25,665,000 |
| Securities held to maturity | 532,000 | 507,000 | 484,000 | 454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,828,000 | 420,410,000 | 422,849,000 | 425,819,000 |
| Interest-bearing deposits | 344,556,000 | 353,457,000 | 353,172,000 | 342,314,000 |
| Noninterest-bearing deposits | 56,272,000 | 66,953,000 | 69,677,000 | 83,505,000 |
| Equity capital | 41,402,000 | 42,579,000 | 43,759,000 | 44,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,501,000 | 9,343,000 | 14,276,000 | 19,378,000 |
| Interest expense | 901,000 | 1,863,000 | 2,845,000 | 3,811,000 |
| Net interest income | 3,600,000 | 7,480,000 | 11,431,000 | 15,567,000 |
| Noninterest income | 1,157,000 | 2,401,000 | 3,407,000 | 4,579,000 |
| Noninterest expense | 3,063,000 | 6,110,000 | 9,247,000 | 12,341,000 |
| Provision for loan losses | 50,000 | 350,000 | 380,000 | 555,000 |
| Pretax income | 1,644,000 | 3,421,000 | 5,211,000 | 7,250,000 |
| Income tax | 644,000 | 1,344,000 | 2,046,000 | 2,847,000 |
| Net income | 1,000,000 | 2,077,000 | 3,165,000 | 4,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,037,000 | 42,195,000 | 43,363,000 | 44,682,000 |
| Total capital | 44,958,000 | 46,475,000 | 47,684,000 | 49,293,000 |
| Risk-weighted assets | 394,073,000 | 415,743,000 | 424,007,000 | 445,932,000 |