Call reports 2018
COMMERCE STATE BANK — 2018
What COMMERCE STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 596,771,000 | 650,926,000 | 647,897,000 | 655,008,000 |
| Total loans | 511,569,000 | 533,243,000 | 552,446,000 | 559,092,000 |
| Allowance for loan losses | 5,404,000 | 5,629,000 | 5,678,000 | 5,836,000 |
| Securities available for sale | 26,190,000 | 27,258,000 | 29,886,000 | 32,584,000 |
| Securities held to maturity | 322,000 | 305,000 | 293,000 | 272,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 511,685,000 | 567,853,000 | 562,099,000 | 565,966,000 |
| Interest-bearing deposits | 428,299,000 | 493,435,000 | 490,538,000 | 486,476,000 |
| Noninterest-bearing deposits | 83,386,000 | 74,418,000 | 71,561,000 | 79,490,000 |
| Equity capital | 54,138,000 | 56,699,000 | 59,070,000 | 61,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,625,000 | 13,842,000 | 21,602,000 | 29,658,000 |
| Interest expense | 1,472,000 | 3,321,000 | 5,488,000 | 7,839,000 |
| Net interest income | 5,153,000 | 10,521,000 | 16,114,000 | 21,819,000 |
| Noninterest income | 1,187,000 | 2,052,000 | 2,813,000 | 3,578,000 |
| Noninterest expense | 3,571,000 | 7,283,000 | 11,203,000 | 14,958,000 |
| Provision for loan losses | 420,000 | 530,000 | 670,000 | 830,000 |
| Pretax income | 2,349,000 | 4,760,000 | 7,054,000 | 9,609,000 |
| Income tax | 637,000 | 1,294,000 | 1,913,000 | 2,603,000 |
| Net income | 1,712,000 | 3,466,000 | 5,141,000 | 7,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,462,000 | 57,030,000 | 59,510,000 | 61,481,000 |
| Total capital | 59,866,000 | 62,659,000 | 65,188,000 | 67,317,000 |
| Risk-weighted assets | 543,657,000 | 567,028,000 | 581,623,000 | 590,940,000 |