Call reports 2006
COMMERCE NATIONAL BANK — 2006
What COMMERCE NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 485,141,000 | 500,045,000 | 513,366,000 | 516,370,000 |
| Total loans | 411,478,000 | 425,332,000 | 434,016,000 | 438,791,000 |
| Allowance for loan losses | 3,771,000 | 3,664,000 | 3,727,000 | 3,848,000 |
| Securities available for sale | 8,763,000 | 12,299,000 | 9,459,000 | 7,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,829,000 | 367,336,000 | 383,214,000 | 385,611,000 |
| Interest-bearing deposits | 300,499,000 | 305,681,000 | 328,431,000 | 325,837,000 |
| Noninterest-bearing deposits | 54,330,000 | 61,655,000 | 54,783,000 | 59,774,000 |
| Equity capital | 73,269,000 | 73,643,000 | 75,042,000 | 76,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,313,000 | 15,085,000 | 23,306,000 | 31,799,000 |
| Interest expense | 3,195,000 | 6,713,000 | 10,666,000 | 14,868,000 |
| Net interest income | 4,118,000 | 8,372,000 | 12,640,000 | 16,931,000 |
| Noninterest income | 189,000 | 400,000 | 725,000 | 1,032,000 |
| Noninterest expense | 2,380,000 | 4,726,000 | 7,152,000 | 9,660,000 |
| Provision for loan losses | 190,000 | 382,000 | 577,000 | 695,000 |
| Pretax income | 1,737,000 | 3,664,000 | 5,636,000 | 7,608,000 |
| Income tax | 570,000 | 1,207,000 | 1,817,000 | 2,431,000 |
| Net income | 1,167,000 | 2,457,000 | 3,819,000 | 5,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,619,000 | 40,135,000 | 41,645,000 | 43,149,000 |
| Total capital | 43,390,000 | 43,799,000 | 45,372,000 | 46,997,000 |
| Risk-weighted assets | 384,376,000 | 396,310,000 | 411,393,000 | 416,497,000 |