Call reports 2020
COMMERCE STATE BANK — 2020
What COMMERCE STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 729,544,000 | 767,958,000 | 765,514,000 | 751,626,000 |
| Total loans | 618,793,000 | 660,211,000 | 666,830,000 | 627,840,000 |
| Allowance for loan losses | 5,488,000 | 6,270,000 | 7,783,000 | 8,098,000 |
| Securities available for sale | 31,863,000 | 30,809,000 | 28,048,000 | 30,100,000 |
| Securities held to maturity | 195,000 | 181,000 | 171,000 | 154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 620,401,000 | 651,629,000 | 652,754,000 | 642,621,000 |
| Interest-bearing deposits | 538,329,000 | 530,341,000 | 533,156,000 | 523,440,000 |
| Noninterest-bearing deposits | 82,072,000 | 121,288,000 | 119,598,000 | 119,181,000 |
| Equity capital | 70,954,000 | 73,128,000 | 75,173,000 | 77,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,356,000 | 16,244,000 | 24,019,000 | 32,480,000 |
| Interest expense | 2,455,000 | 4,240,000 | 5,540,000 | 6,544,000 |
| Net interest income | 5,901,000 | 12,004,000 | 18,479,000 | 25,936,000 |
| Noninterest income | 796,000 | 1,844,000 | 3,048,000 | 4,357,000 |
| Noninterest expense | 3,526,000 | 6,842,000 | 10,268,000 | 13,671,000 |
| Provision for loan losses | 1,750,000 | 3,375,000 | 4,875,000 | 6,875,000 |
| Pretax income | 1,421,000 | 3,631,000 | 6,384,000 | 9,747,000 |
| Income tax | 367,000 | 956,000 | 1,691,000 | 2,593,000 |
| Net income | 1,054,000 | 2,675,000 | 4,693,000 | 7,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,494,000 | 72,240,000 | 74,317,000 | 76,861,000 |
| Total capital | 75,982,000 | 78,510,000 | 82,100,000 | 84,799,000 |
| Risk-weighted assets | 650,827,000 | 630,490,000 | 633,273,000 | 634,935,000 |