Call reports 2017
COMMERCE STATE BANK — 2017
What COMMERCE STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 489,136,000 | 530,493,000 | 560,680,000 | 574,938,000 |
| Total loans | 418,417,000 | 460,228,000 | 482,757,000 | 484,884,000 |
| Allowance for loan losses | 4,563,000 | 4,849,000 | 5,173,000 | 4,850,000 |
| Securities available for sale | 24,959,000 | 25,233,000 | 24,908,000 | 27,911,000 |
| Securities held to maturity | 419,000 | 399,000 | 361,000 | 352,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,544,000 | 445,993,000 | 474,220,000 | 492,936,000 |
| Interest-bearing deposits | 351,385,000 | 375,312,000 | 396,303,000 | 402,658,000 |
| Noninterest-bearing deposits | 72,159,000 | 70,681,000 | 77,917,000 | 90,278,000 |
| Equity capital | 45,921,000 | 49,001,000 | 50,465,000 | 51,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,193,000 | 10,813,000 | 17,018,000 | 23,428,000 |
| Interest expense | 977,000 | 2,067,000 | 3,344,000 | 4,705,000 |
| Net interest income | 4,216,000 | 8,746,000 | 13,674,000 | 18,723,000 |
| Noninterest income | 692,000 | 1,774,000 | 2,810,000 | 3,625,000 |
| Noninterest expense | 3,136,000 | 6,268,000 | 9,657,000 | 12,859,000 |
| Provision for loan losses | 0 | 275,000 | 700,000 | 985,000 |
| Pretax income | 1,772,000 | 3,977,000 | 6,127,000 | 8,504,000 |
| Income tax | 661,000 | 1,513,000 | 2,335,000 | 3,486,000 |
| Net income | 1,111,000 | 2,464,000 | 3,792,000 | 5,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,845,000 | 48,793,000 | 50,315,000 | 51,752,000 |
| Total capital | 50,408,000 | 53,642,000 | 55,488,000 | 56,602,000 |
| Risk-weighted assets | 448,724,000 | 484,217,000 | 503,595,000 | 514,120,000 |