Call reports 2013
UNITED COMMERCE BANK — 2013
What UNITED COMMERCE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Total assets | 132,014,000 | 127,681,000 | 120,200,000 |
| Total loans | 93,306,000 | 89,096,000 | 83,638,000 |
| Allowance for loan losses | 2,011,000 | 1,981,000 | 2,014,000 |
| Securities available for sale | 20,392,000 | 26,596,000 | 25,644,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 117,367,000 | 113,443,000 | 106,478,000 |
| Interest-bearing deposits | 88,415,000 | 88,073,000 | 79,285,000 |
| Noninterest-bearing deposits | 28,952,000 | 25,370,000 | 27,193,000 |
| Equity capital | 14,422,000 | 13,960,000 | 13,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Interest income | 1,284,000 | 2,565,000 | 3,723,000 |
| Interest expense | 99,000 | 181,000 | 259,000 |
| Net interest income | 1,185,000 | 2,384,000 | 3,464,000 |
| Noninterest income | 129,000 | 281,000 | 456,000 |
| Noninterest expense | 1,054,000 | 2,078,000 | 3,573,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 263,000 | 590,000 | 350,000 |
| Income tax | 101,000 | 217,000 | 173,000 |
| Net income | 162,000 | 373,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Tier 1 capital | 14,427,000 | 14,638,000 | 14,250,000 |
| Total capital | 15,472,000 | 15,640,000 | 15,202,000 |
| Risk-weighted assets | 82,598,000 | 79,155,000 | 75,096,000 |