Call reports 2012
COMMERCIAL BANK, THE — 2012
What COMMERCIAL BANK, THE 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 | 139,604,000 | 134,882,000 | 129,482,000 | 126,256,000 |
| Total loans | 77,711,000 | 75,642,000 | 73,249,000 | 73,233,000 |
| Allowance for loan losses | 1,893,000 | 2,339,000 | 1,672,000 | 1,650,000 |
| Securities available for sale | 33,874,000 | 32,106,000 | 28,726,000 | 29,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,604,000 | 109,622,000 | 105,939,000 | 102,972,000 |
| Interest-bearing deposits | 92,099,000 | 92,824,000 | 88,200,000 | 85,707,000 |
| Noninterest-bearing deposits | 22,505,000 | 16,798,000 | 17,739,000 | 17,265,000 |
| Equity capital | 11,179,000 | 12,464,000 | 12,859,000 | 12,925,000 |
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 | 1,654,000 | 3,314,000 | 4,867,000 | 6,316,000 |
| Interest expense | 376,000 | 729,000 | 1,048,000 | 1,294,000 |
| Net interest income | 1,278,000 | 2,585,000 | 3,819,000 | 5,022,000 |
| Noninterest income | -60,000 | -504,000 | -317,000 | -98,000 |
| Noninterest expense | 1,268,000 | 2,494,000 | 3,694,000 | 4,752,000 |
| Provision for loan losses | 483,000 | 1,208,000 | 1,208,000 | 1,383,000 |
| Pretax income | -533,000 | -1,621,000 | -1,400,000 | -1,211,000 |
| Income tax | 0 | -2,100,000 | -2,034,000 | -1,974,000 |
| Net income | -533,000 | 479,000 | 634,000 | 763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,806,000 | 10,944,000 | 11,044,000 | 11,328,000 |
| Total capital | 13,028,000 | 12,152,000 | 12,188,000 | 12,468,000 |
| Risk-weighted assets | 97,053,000 | 95,537,000 | 90,970,000 | 90,701,000 |