Call reports 2013
COMMERCIAL BANK — 2013
What COMMERCIAL 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 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 166,396,000 | 167,986,000 | 167,828,000 | 169,454,000 |
| Total loans | 102,911,000 | 97,922,000 | 98,094,000 | 101,938,000 |
| Allowance for loan losses | 2,090,000 | 2,209,000 | 2,060,000 | 2,101,000 |
| Securities available for sale | 47,094,000 | 56,605,000 | 57,447,000 | 55,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,757,000 | 152,007,000 | 149,696,000 | 151,800,000 |
| Interest-bearing deposits | 119,481,000 | 117,132,000 | 115,339,000 | 117,055,000 |
| Noninterest-bearing deposits | 30,276,000 | 34,875,000 | 34,357,000 | 34,745,000 |
| Equity capital | 14,424,000 | 13,689,000 | 13,585,000 | 13,464,000 |
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 | 1,662,000 | 3,247,000 | 4,856,000 | 6,567,000 |
| Interest expense | 180,000 | 339,000 | 495,000 | 642,000 |
| Net interest income | 1,482,000 | 2,908,000 | 4,361,000 | 5,925,000 |
| Noninterest income | 666,000 | 1,045,000 | 1,347,000 | 1,581,000 |
| Noninterest expense | 1,906,000 | 3,681,000 | 5,334,000 | 7,000,000 |
| Provision for loan losses | 45,000 | 113,000 | 113,000 | 180,000 |
| Pretax income | 266,000 | 309,000 | 411,000 | 531,000 |
| Income tax | 79,000 | 85,000 | 107,000 | 115,000 |
| Net income | 187,000 | 224,000 | 304,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,225,000 | 13,335,000 | 13,553,000 | 13,466,000 |
| Total capital | 14,640,000 | 14,737,000 | 14,987,000 | 14,922,000 |
| Risk-weighted assets | 112,513,000 | 111,406,000 | 114,127,000 | 115,922,000 |