Call reports 2011
UNITED COMMERCE BANK — 2011
What UNITED COMMERCE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 178,038,000 | 181,847,000 | 174,541,000 | 155,486,000 |
| Total loans | 148,002,000 | 143,881,000 | 136,963,000 | 124,899,000 |
| Allowance for loan losses | 2,585,000 | 3,914,000 | 4,194,000 | 3,603,000 |
| Securities available for sale | 12,964,000 | 20,403,000 | 23,741,000 | 22,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,699,000 | 161,970,000 | 159,223,000 | 141,641,000 |
| Interest-bearing deposits | 141,673,000 | 141,837,000 | 134,753,000 | 119,982,000 |
| Noninterest-bearing deposits | 16,026,000 | 20,133,000 | 24,470,000 | 21,659,000 |
| Equity capital | 14,838,000 | 14,225,000 | 14,436,000 | 13,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,064,000 | 4,069,000 | 6,060,000 | 7,911,000 |
| Interest expense | 559,000 | 1,108,000 | 1,604,000 | 1,997,000 |
| Net interest income | 1,505,000 | 2,961,000 | 4,456,000 | 5,914,000 |
| Noninterest income | 57,000 | 196,000 | 426,000 | 631,000 |
| Noninterest expense | 1,170,000 | 2,366,000 | 3,631,000 | 4,659,000 |
| Provision for loan losses | 300,000 | 1,950,000 | 2,250,000 | 4,265,000 |
| Pretax income | 123,000 | -1,085,000 | -863,000 | -2,174,000 |
| Income tax | 31,000 | -419,000 | -331,000 | -889,000 |
| Net income | 92,000 | -666,000 | -532,000 | -1,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,825,000 | 14,067,000 | 14,202,000 | 12,687,000 |
| Total capital | 16,484,000 | 15,689,000 | 15,762,000 | 14,149,000 |
| Risk-weighted assets | 131,794,000 | 127,436,000 | 122,182,000 | 114,809,000 |