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 | 799,809,000 | 803,481,000 | 779,821,000 | 780,088,000 |
| Total loans | 558,724,000 | 557,123,000 | 548,879,000 | 529,313,000 |
| Allowance for loan losses | 13,348,000 | 10,053,000 | 9,099,000 | 9,650,000 |
| Securities available for sale | 143,380,000 | 136,445,000 | 133,715,000 | 119,448,000 |
| Securities held to maturity | 1,454,000 | 1,454,000 | 1,455,000 | 1,455,000 |
| Trading assets | 2,741,000 | 3,216,000 | 3,320,000 | 3,116,000 |
| Total deposits | 641,663,000 | 647,760,000 | 621,465,000 | 626,803,000 |
| Interest-bearing deposits | 560,138,000 | 563,451,000 | 540,699,000 | 542,314,000 |
| Noninterest-bearing deposits | 81,525,000 | 84,309,000 | 80,766,000 | 84,489,000 |
| Equity capital | 73,172,000 | 73,462,000 | 74,537,000 | 74,903,000 |
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 | 8,282,000 | 16,489,000 | 24,674,000 | 33,056,000 |
| Interest expense | 2,074,000 | 4,118,000 | 5,961,000 | 7,678,000 |
| Net interest income | 6,208,000 | 12,371,000 | 18,713,000 | 25,378,000 |
| Noninterest income | 1,168,000 | 1,366,000 | 1,910,000 | 3,350,000 |
| Noninterest expense | 5,676,000 | 10,973,000 | 16,614,000 | 22,241,000 |
| Provision for loan losses | 410,000 | 2,592,000 | 2,592,000 | 4,004,000 |
| Pretax income | 1,290,000 | 172,000 | 1,417,000 | 4,331,000 |
| Income tax | 336,000 | -219,000 | 109,000 | 1,069,000 |
| Net income | 954,000 | 391,000 | 1,308,000 | 3,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,180,000 | 67,717,000 | 68,714,000 | 70,747,000 |
| Total capital | 75,055,000 | 74,610,000 | 75,466,000 | 77,290,000 |
| Risk-weighted assets | 543,564,000 | 548,259,000 | 537,783,000 | 520,321,000 |