Call reports 2012
COMMERCIAL BANK — 2012
What COMMERCIAL 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 | 163,418,000 | 170,240,000 | 169,246,000 | 172,920,000 |
| Total loans | 111,344,000 | 107,596,000 | 105,726,000 | 105,458,000 |
| Allowance for loan losses | 2,441,000 | 2,463,000 | 2,313,000 | 2,340,000 |
| Securities available for sale | 36,703,000 | 44,255,000 | 49,164,000 | 53,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,477,000 | 150,242,000 | 149,923,000 | 155,016,000 |
| Interest-bearing deposits | 116,181,000 | 118,933,000 | 118,021,000 | 119,578,000 |
| Noninterest-bearing deposits | 27,296,000 | 31,309,000 | 31,901,000 | 35,438,000 |
| Equity capital | 13,878,000 | 14,039,000 | 14,267,000 | 14,349,000 |
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 | 1,833,000 | 3,654,000 | 5,429,000 | 7,138,000 |
| Interest expense | 289,000 | 571,000 | 815,000 | 1,023,000 |
| Net interest income | 1,544,000 | 3,083,000 | 4,614,000 | 6,115,000 |
| Noninterest income | 485,000 | 1,012,000 | 1,578,000 | 2,288,000 |
| Noninterest expense | 1,677,000 | 3,532,000 | 5,587,000 | 7,537,000 |
| Provision for loan losses | 66,000 | 133,000 | 200,000 | 245,000 |
| Pretax income | 782,000 | 926,000 | 1,202,000 | 1,418,000 |
| Income tax | 280,000 | 311,000 | 381,000 | 416,000 |
| Net income | 502,000 | 615,000 | 821,000 | 1,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,172,000 | 12,553,000 | 12,804,000 | 13,025,000 |
| Total capital | 13,734,000 | 14,059,000 | 14,253,000 | 14,467,000 |
| Risk-weighted assets | 124,042,000 | 119,589,000 | 115,155,000 | 114,567,000 |