Call reports 2013
FIRST COMMONS BANK, N.A. — 2013
What FIRST COMMONS BANK, N.A. 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 | 222,527,000 | 229,363,000 | 246,343,000 | 262,495,000 |
| Total loans | 199,385,000 | 208,068,000 | 220,091,000 | 229,132,000 |
| Allowance for loan losses | 1,406,000 | 1,489,000 | 1,807,000 | 1,905,000 |
| Securities available for sale | 4,238,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,881,000 | 205,974,000 | 216,648,000 | 228,836,000 |
| Interest-bearing deposits | 180,457,000 | 191,947,000 | 199,695,000 | 212,085,000 |
| Noninterest-bearing deposits | 18,424,000 | 14,027,000 | 16,953,000 | 16,751,000 |
| Equity capital | 21,990,000 | 22,150,000 | 22,302,000 | 22,514,000 |
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 | 2,317,000 | 4,790,000 | 7,412,000 | 10,149,000 |
| Interest expense | 442,000 | 890,000 | 1,392,000 | 1,964,000 |
| Net interest income | 1,875,000 | 3,900,000 | 6,020,000 | 8,185,000 |
| Noninterest income | 17,000 | 50,000 | 68,000 | 82,000 |
| Noninterest expense | 1,536,000 | 3,133,000 | 4,768,000 | 6,386,000 |
| Provision for loan losses | 159,000 | 202,000 | 520,000 | 611,000 |
| Pretax income | 330,000 | 877,000 | 1,062,000 | 1,532,000 |
| Income tax | 134,000 | 356,000 | 431,000 | 648,000 |
| Net income | 196,000 | 521,000 | 631,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,727,000 | 20,736,000 | 21,195,000 | 21,574,000 |
| Total capital | 21,133,000 | 22,225,000 | 23,002,000 | 23,479,000 |
| Risk-weighted assets | 168,544,000 | 173,334,000 | 174,162,000 | 181,515,000 |