Call reports 2012
UNITED COMMERCE BANK — 2012
What UNITED COMMERCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 146,474,000 | 141,751,000 | 139,569,000 | 131,292,000 |
| Total loans | 119,970,000 | 112,671,000 | 106,361,000 | 97,929,000 |
| Allowance for loan losses | 3,728,000 | 3,940,000 | 3,756,000 | 1,995,000 |
| Securities available for sale | 15,302,000 | 14,190,000 | 21,938,000 | 19,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,563,000 | 127,394,000 | 125,231,000 | 116,729,000 |
| Interest-bearing deposits | 108,801,000 | 103,604,000 | 98,501,000 | 92,748,000 |
| Noninterest-bearing deposits | 23,762,000 | 23,790,000 | 26,730,000 | 23,981,000 |
| Equity capital | 13,593,000 | 13,923,000 | 14,092,000 | 14,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,702,000 | 3,318,000 | 4,791,000 | 6,237,000 |
| Interest expense | 334,000 | 633,000 | 894,000 | 1,091,000 |
| Net interest income | 1,368,000 | 2,685,000 | 3,897,000 | 5,146,000 |
| Noninterest income | 141,000 | 303,000 | 501,000 | 734,000 |
| Noninterest expense | 1,077,000 | 2,110,000 | 3,161,000 | 4,111,000 |
| Provision for loan losses | 300,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 181,000 | 645,000 | 904,000 | 1,286,000 |
| Income tax | 69,000 | 224,000 | 314,000 | 468,000 |
| Net income | 112,000 | 421,000 | 590,000 | 818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,756,000 | 13,476,000 | 13,621,000 | 14,266,000 |
| Total capital | 14,102,000 | 14,746,000 | 14,819,000 | 15,369,000 |
| Risk-weighted assets | 105,282,000 | 98,896,000 | 93,311,000 | 87,371,000 |