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 | 797,590,000 | 761,718,000 | 747,647,000 | 757,751,000 |
| Total loans | 515,479,000 | 520,459,000 | 535,309,000 | 553,121,000 |
| Allowance for loan losses | 9,075,000 | 8,938,000 | 8,668,000 | 8,280,000 |
| Securities available for sale | 130,730,000 | 124,724,000 | 121,522,000 | 85,657,000 |
| Securities held to maturity | 1,455,000 | 1,455,000 | 1,355,000 | 32,898,000 |
| Trading assets | 2,872,000 | 2,102,000 | 2,068,000 | 1,808,000 |
| Total deposits | 644,040,000 | 622,515,000 | 607,485,000 | 593,213,000 |
| Interest-bearing deposits | 554,281,000 | 529,853,000 | 513,941,000 | 510,070,000 |
| Noninterest-bearing deposits | 89,759,000 | 92,662,000 | 93,544,000 | 83,143,000 |
| Equity capital | 75,578,000 | 74,562,000 | 75,885,000 | 77,173,000 |
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 | 7,600,000 | 15,313,000 | 22,873,000 | 30,841,000 |
| Interest expense | 1,531,000 | 2,952,000 | 4,322,000 | 5,621,000 |
| Net interest income | 6,069,000 | 12,361,000 | 18,551,000 | 25,220,000 |
| Noninterest income | 1,120,000 | 2,249,000 | 3,395,000 | 3,894,000 |
| Noninterest expense | 5,517,000 | 10,964,000 | 16,494,000 | 21,557,000 |
| Provision for loan losses | 300,000 | 500,000 | 500,000 | 500,000 |
| Pretax income | 1,555,000 | 3,400,000 | 5,205,000 | 7,304,000 |
| Income tax | 411,000 | 1,093,000 | 1,584,000 | 2,163,000 |
| Net income | 1,144,000 | 2,307,000 | 3,621,000 | 5,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,978,000 | 73,220,000 | 74,613,000 | 76,219,000 |
| Total capital | 78,514,000 | 79,649,000 | 81,219,000 | 82,912,000 |
| Risk-weighted assets | 517,737,000 | 511,715,000 | 526,369,000 | 533,798,000 |