Call reports 2012
OHIO COMMERCE BANK — 2012
What OHIO 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 | 98,877,000 | 117,234,000 | 106,131,000 | 118,318,000 |
| Total loans | 75,893,000 | 85,275,000 | 81,583,000 | 82,952,000 |
| Allowance for loan losses | 1,174,000 | 1,354,000 | 1,389,000 | 1,208,000 |
| Securities available for sale | 6,652,000 | 5,526,000 | 6,132,000 | 4,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,746,000 | 105,938,000 | 94,290,000 | 106,701,000 |
| Interest-bearing deposits | 67,516,000 | 81,262,000 | 69,900,000 | 75,745,000 |
| Noninterest-bearing deposits | 20,230,000 | 24,676,000 | 24,390,000 | 30,956,000 |
| Equity capital | 10,980,000 | 11,153,000 | 11,383,000 | 11,459,000 |
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 | 1,048,000 | 2,110,000 | 3,244,000 | 4,402,000 |
| Interest expense | 120,000 | 237,000 | 354,000 | 465,000 |
| Net interest income | 928,000 | 1,873,000 | 2,890,000 | 3,937,000 |
| Noninterest income | 121,000 | 315,000 | 729,000 | 827,000 |
| Noninterest expense | 693,000 | 1,406,000 | 2,167,000 | 2,884,000 |
| Provision for loan losses | 66,000 | 246,000 | 580,000 | 882,000 |
| Pretax income | 290,000 | 536,000 | 872,000 | 998,000 |
| Income tax | 100,000 | 186,000 | 303,000 | 348,000 |
| Net income | 190,000 | 350,000 | 569,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,939,000 | 11,096,000 | 11,297,000 | 11,378,000 |
| Total capital | 11,855,000 | 12,113,000 | 12,289,000 | 12,380,000 |
| Risk-weighted assets | 73,005,000 | 81,049,000 | 78,924,000 | 79,975,000 |