Call reports 2011
FIRST COMMONS BANK, N.A. — 2011
What FIRST COMMONS BANK, N.A. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 120,385,000 | 136,859,000 | 152,272,000 | 169,594,000 |
| Total loans | 76,576,000 | 94,851,000 | 107,166,000 | 133,968,000 |
| Allowance for loan losses | 556,000 | 1,021,000 | 1,551,000 | 1,188,000 |
| Securities available for sale | 755,000 | 0 | 0 | 27,728,000 |
| Securities held to maturity | 16,734,000 | 32,941,000 | 28,277,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,798,000 | 116,730,000 | 132,965,000 | 149,445,000 |
| Interest-bearing deposits | 95,180,000 | 110,495,000 | 125,793,000 | 142,891,000 |
| Noninterest-bearing deposits | 5,618,000 | 6,235,000 | 7,172,000 | 6,554,000 |
| Equity capital | 18,968,000 | 19,427,000 | 18,586,000 | 19,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,088,000 | 2,340,000 | 3,780,000 | 5,500,000 |
| Interest expense | 292,000 | 607,000 | 925,000 | 1,360,000 |
| Net interest income | 796,000 | 1,733,000 | 2,855,000 | 4,140,000 |
| Noninterest income | 9,000 | 20,000 | 32,000 | 48,000 |
| Noninterest expense | 1,219,000 | 2,625,000 | 4,096,000 | 5,511,000 |
| Provision for loan losses | 63,000 | 528,000 | 1,058,000 | 1,165,000 |
| Pretax income | -468,000 | -1,391,000 | -2,258,000 | -2,479,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -468,000 | -1,391,000 | -2,258,000 | -2,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,967,000 | 19,427,000 | 18,586,000 | 18,480,000 |
| Total capital | 19,523,000 | 20,448,000 | 19,842,000 | 19,668,000 |
| Risk-weighted assets | 75,526,000 | 92,366,000 | 101,510,000 | 119,230,000 |