Call reports 2012
FIRST COMMONS BANK, N.A. — 2012
What FIRST COMMONS BANK, N.A. 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 | 182,595,000 | 193,835,000 | 199,988,000 | 208,571,000 |
| Total loans | 149,590,000 | 161,342,000 | 167,701,000 | 181,832,000 |
| Allowance for loan losses | 1,143,000 | 1,198,000 | 1,205,000 | 1,247,000 |
| Securities available for sale | 18,502,000 | 12,967,000 | 10,258,000 | 9,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,752,000 | 170,299,000 | 176,906,000 | 185,422,000 |
| Interest-bearing deposits | 152,438,000 | 160,721,000 | 167,502,000 | 173,794,000 |
| Noninterest-bearing deposits | 9,314,000 | 9,578,000 | 9,404,000 | 11,628,000 |
| Equity capital | 19,248,000 | 21,722,000 | 21,877,000 | 21,984,000 |
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 | 1,941,000 | 3,926,000 | 6,019,000 | 8,162,000 |
| Interest expense | 415,000 | 828,000 | 1,254,000 | 1,700,000 |
| Net interest income | 1,526,000 | 3,098,000 | 4,765,000 | 6,462,000 |
| Noninterest income | 12,000 | 24,000 | 39,000 | 54,000 |
| Noninterest expense | 1,448,000 | 2,918,000 | 4,445,000 | 5,989,000 |
| Provision for loan losses | 65,000 | 107,000 | 114,000 | 171,000 |
| Pretax income | 200,000 | 415,000 | 563,000 | 674,000 |
| Income tax | 79,000 | -2,325,000 | -2,267,000 | -2,223,000 |
| Net income | 121,000 | 2,740,000 | 2,830,000 | 2,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,640,000 | 19,242,000 | 19,373,000 | 19,490,000 |
| Total capital | 19,783,000 | 20,440,000 | 20,578,000 | 20,737,000 |
| Risk-weighted assets | 119,144,000 | 125,459,000 | 132,519,000 | 149,306,000 |