Call reports 2019
COMMERCE STATE BANK — 2019
What COMMERCE STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 683,892,000 | 682,411,000 | 706,816,000 | 707,921,000 |
| Total loans | 573,935,000 | 590,349,000 | 609,450,000 | 602,986,000 |
| Allowance for loan losses | 5,762,000 | 5,722,000 | 5,818,000 | 4,652,000 |
| Securities available for sale | 32,546,000 | 33,208,000 | 32,070,000 | 32,366,000 |
| Securities held to maturity | 253,000 | 232,000 | 223,000 | 215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 592,999,000 | 582,847,000 | 608,352,000 | 610,006,000 |
| Interest-bearing deposits | 520,809,000 | 502,430,000 | 526,861,000 | 520,045,000 |
| Noninterest-bearing deposits | 72,190,000 | 80,417,000 | 81,491,000 | 89,961,000 |
| Equity capital | 63,535,000 | 65,820,000 | 67,869,000 | 69,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,234,000 | 16,812,000 | 25,537,000 | 34,186,000 |
| Interest expense | 2,605,000 | 5,402,000 | 8,249,000 | 10,897,000 |
| Net interest income | 5,629,000 | 11,410,000 | 17,288,000 | 23,289,000 |
| Noninterest income | 714,000 | 1,418,000 | 2,592,000 | 3,849,000 |
| Noninterest expense | 3,592,000 | 7,190,000 | 10,760,000 | 14,389,000 |
| Provision for loan losses | 270,000 | 610,000 | 1,450,000 | 2,410,000 |
| Pretax income | 2,481,000 | 5,029,000 | 7,671,000 | 10,340,000 |
| Income tax | 667,000 | 1,338,000 | 2,053,000 | 2,770,000 |
| Net income | 1,814,000 | 3,691,000 | 5,618,000 | 7,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,371,000 | 65,337,000 | 67,348,000 | 69,381,000 |
| Total capital | 69,133,000 | 71,059,000 | 73,166,000 | 74,033,000 |
| Risk-weighted assets | 604,178,000 | 623,684,000 | 630,248,000 | 630,800,000 |