Call reports 2013
COMMERCIAL BANK — 2013
What COMMERCIAL BANK 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 | 233,806,000 | 239,149,000 | 236,467,000 | 243,273,000 |
| Total loans | 94,258,000 | 93,155,000 | 93,331,000 | 93,147,000 |
| Allowance for loan losses | 2,152,000 | 2,111,000 | 2,106,000 | 2,101,000 |
| Securities available for sale | 124,483,000 | 118,364,000 | 126,097,000 | 123,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,377,000 | 211,555,000 | 208,171,000 | 215,379,000 |
| Interest-bearing deposits | 178,215,000 | 183,532,000 | 174,901,000 | 184,501,000 |
| Noninterest-bearing deposits | 25,162,000 | 28,023,000 | 33,270,000 | 30,878,000 |
| Equity capital | 29,947,000 | 26,991,000 | 27,781,000 | 27,335,000 |
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 | 1,940,000 | 3,896,000 | 5,876,000 | 7,929,000 |
| Interest expense | 209,000 | 410,000 | 606,000 | 794,000 |
| Net interest income | 1,731,000 | 3,486,000 | 5,270,000 | 7,135,000 |
| Noninterest income | 444,000 | 934,000 | 1,481,000 | 2,010,000 |
| Noninterest expense | 1,444,000 | 2,972,000 | 4,542,000 | 6,261,000 |
| Provision for loan losses | -1,000 | -1,000 | 0 | 1,000 |
| Pretax income | 848,000 | 1,591,000 | 2,351,000 | 3,025,000 |
| Income tax | 32,000 | 63,000 | 96,000 | 144,000 |
| Net income | 816,000 | 1,528,000 | 2,255,000 | 2,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,702,000 | 28,017,000 | 28,587,000 | 29,112,000 |
| Total capital | 29,091,000 | 29,414,000 | 30,002,000 | 30,672,000 |
| Risk-weighted assets | 110,357,000 | 111,009,000 | 112,524,000 | 124,220,000 |