Call reports 2013
COMMERCIAL BANK, THE — 2013
What COMMERCIAL BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 136,287,000 | 131,281,000 | 133,171,000 | 125,708,000 |
| Total loans | 69,963,000 | 66,678,000 | 67,190,000 | 68,025,000 |
| Allowance for loan losses | 1,529,000 | 1,262,000 | 1,175,000 | 1,191,000 |
| Securities available for sale | 36,375,000 | 35,912,000 | 34,427,000 | 33,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,996,000 | 109,551,000 | 112,603,000 | 106,215,000 |
| Interest-bearing deposits | 88,473,000 | 86,390,000 | 85,927,000 | 83,279,000 |
| Noninterest-bearing deposits | 24,523,000 | 23,161,000 | 26,676,000 | 22,936,000 |
| Equity capital | 13,010,000 | 12,598,000 | 12,487,000 | 12,562,000 |
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 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,379,000 | 2,724,000 | 4,059,000 | 5,392,000 |
| Interest expense | 232,000 | 448,000 | 650,000 | 966,000 |
| Net interest income | 1,147,000 | 2,276,000 | 3,409,000 | 4,426,000 |
| Noninterest income | 209,000 | 427,000 | 633,000 | 824,000 |
| Noninterest expense | 1,157,000 | 2,390,000 | 3,566,000 | 4,734,000 |
| Provision for loan losses | 55,000 | 90,000 | 110,000 | 110,000 |
| Pretax income | 144,000 | 417,000 | 560,000 | 600,000 |
| Income tax | 42,000 | 127,000 | 170,000 | 174,000 |
| Net income | 102,000 | 290,000 | 390,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,430,000 | 11,718,000 | 11,818,000 | 11,854,000 |
| Total capital | 12,569,000 | 12,821,000 | 12,929,000 | 12,953,000 |
| Risk-weighted assets | 90,760,000 | 88,099,000 | 88,790,000 | 87,823,000 |