Call reports 2012
COMMERCIAL BANK, THE — 2012
What COMMERCIAL BANK, THE 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 | 31,397,000 | 30,949,000 | 30,736,000 | 31,500,000 |
| Total loans | 17,069,000 | 17,052,000 | 16,803,000 | 16,871,000 |
| Allowance for loan losses | 135,000 | 137,000 | 139,000 | 142,000 |
| Securities available for sale | 7,739,000 | 8,160,000 | 9,045,000 | 9,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,278,000 | 27,740,000 | 27,379,000 | 28,062,000 |
| Interest-bearing deposits | 20,853,000 | 20,573,000 | 20,088,000 | 20,348,000 |
| Noninterest-bearing deposits | 7,426,000 | 7,167,000 | 7,291,000 | 7,714,000 |
| Equity capital | 2,913,000 | 3,004,000 | 3,118,000 | 3,210,000 |
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 | 316,000 | 632,000 | 943,000 | 1,251,000 |
| Interest expense | 12,000 | 23,000 | 34,000 | 44,000 |
| Net interest income | 304,000 | 609,000 | 909,000 | 1,207,000 |
| Noninterest income | 25,000 | 51,000 | 75,000 | 103,000 |
| Noninterest expense | 229,000 | 459,000 | 681,000 | 921,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 97,000 | 195,000 | 294,000 | 377,000 |
| Income tax | 24,000 | 49,000 | 73,000 | 78,000 |
| Net income | 73,000 | 146,000 | 221,000 | 299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,750,000 | 2,820,000 | 2,895,000 | 2,962,000 |
| Total capital | 2,885,000 | 2,957,000 | 3,034,000 | 3,104,000 |
| Risk-weighted assets | 19,517,000 | 19,580,000 | 19,354,000 | 19,566,000 |