Call reports 2014
FIRST COMMONS BANK, N.A. — 2014
What FIRST COMMONS BANK, N.A. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 267,076,000 | 238,033,000 | 244,139,000 | 253,298,000 |
| Total loans | 233,646,000 | 229,987,000 | 219,554,000 | 214,704,000 |
| Allowance for loan losses | 1,987,000 | 2,014,000 | 1,993,000 | 2,018,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,820,000 | 203,398,000 | 208,966,000 | 213,424,000 |
| Interest-bearing deposits | 217,427,000 | 187,871,000 | 189,250,000 | 194,237,000 |
| Noninterest-bearing deposits | 15,393,000 | 15,527,000 | 19,716,000 | 19,187,000 |
| Equity capital | 22,874,000 | 23,242,000 | 23,546,000 | 28,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,780,000 | 5,579,000 | 8,215,000 | 10,916,000 |
| Interest expense | 588,000 | 1,175,000 | 1,690,000 | 2,224,000 |
| Net interest income | 2,192,000 | 4,404,000 | 6,525,000 | 8,692,000 |
| Noninterest income | 14,000 | 53,000 | 68,000 | 211,000 |
| Noninterest expense | 1,641,000 | 3,274,000 | 4,936,000 | 6,719,000 |
| Provision for loan losses | -6,000 | 21,000 | 0 | 25,000 |
| Pretax income | 571,000 | 1,162,000 | 1,657,000 | 2,159,000 |
| Income tax | 231,000 | 474,000 | 684,000 | 893,000 |
| Net income | 340,000 | 688,000 | 973,000 | 1,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,957,000 | 22,534,000 | 23,046,000 | 28,350,000 |
| Total capital | 23,944,000 | 24,548,000 | 25,039,000 | 30,368,000 |
| Risk-weighted assets | 180,743,000 | 161,096,000 | 163,090,000 | 167,240,000 |