Call reports 2013
COMMERCIAL BANK, THE — 2013
What COMMERCIAL BANK, THE 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 | 32,882,000 | 32,935,000 | 33,609,000 | 33,891,000 |
| Total loans | 16,617,000 | 16,704,000 | 17,672,000 | 18,205,000 |
| Allowance for loan losses | 140,000 | 138,000 | 140,000 | 142,000 |
| Securities available for sale | 10,029,000 | 10,553,000 | 11,503,000 | 11,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,461,000 | 29,532,000 | 30,228,000 | 30,391,000 |
| Interest-bearing deposits | 20,675,000 | 20,847,000 | 20,471,000 | 20,261,000 |
| Noninterest-bearing deposits | 8,786,000 | 8,685,000 | 9,757,000 | 10,131,000 |
| Equity capital | 3,235,000 | 3,265,000 | 3,273,000 | 3,355,000 |
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 | 299,000 | 604,000 | 914,000 | 1,235,000 |
| Interest expense | 9,000 | 17,000 | 24,000 | 30,000 |
| Net interest income | 290,000 | 587,000 | 890,000 | 1,205,000 |
| Noninterest income | 27,000 | 57,000 | 86,000 | 116,000 |
| Noninterest expense | 222,000 | 458,000 | 697,000 | 935,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 92,000 | 180,000 | 270,000 | 374,000 |
| Income tax | 17,000 | 24,000 | 36,000 | 78,000 |
| Net income | 75,000 | 156,000 | 234,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,037,000 | 3,112,000 | 3,191,000 | 3,242,000 |
| Total capital | 3,177,000 | 3,250,000 | 3,331,000 | 3,384,000 |
| Risk-weighted assets | 20,250,000 | 20,216,000 | 20,532,000 | 21,185,000 |