Call reports 2010
UNITED COMMERCE BANK — 2010
What UNITED COMMERCE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 193,296,000 | 194,628,000 | 191,287,000 | 180,971,000 |
| Total loans | 165,925,000 | 167,524,000 | 163,513,000 | 154,388,000 |
| Allowance for loan losses | 2,169,000 | 2,545,000 | 2,718,000 | 2,654,000 |
| Securities available for sale | 12,536,000 | 5,824,000 | 10,885,000 | 9,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,243,000 | 168,829,000 | 168,284,000 | 160,569,000 |
| Interest-bearing deposits | 154,751,000 | 154,665,000 | 151,462,000 | 145,148,000 |
| Noninterest-bearing deposits | 12,492,000 | 14,164,000 | 16,822,000 | 15,421,000 |
| Equity capital | 14,471,000 | 14,541,000 | 14,692,000 | 14,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,343,000 | 4,607,000 | 6,718,000 | 8,886,000 |
| Interest expense | 652,000 | 1,310,000 | 1,996,000 | 2,642,000 |
| Net interest income | 1,691,000 | 3,297,000 | 4,722,000 | 6,244,000 |
| Noninterest income | 198,000 | 424,000 | 732,000 | 1,026,000 |
| Noninterest expense | 1,147,000 | 2,299,000 | 3,446,000 | 4,623,000 |
| Provision for loan losses | 525,000 | 1,185,000 | 1,610,000 | 2,060,000 |
| Pretax income | 217,000 | 371,000 | 534,000 | 766,000 |
| Income tax | 76,000 | 129,000 | 179,000 | 245,000 |
| Net income | 141,000 | 242,000 | 355,000 | 521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,352,000 | 14,454,000 | 14,567,000 | 14,733,000 |
| Total capital | 16,183,000 | 16,306,000 | 16,381,000 | 16,450,000 |
| Risk-weighted assets | 146,128,000 | 147,439,000 | 144,238,000 | 136,430,000 |