Call reports 2009
1ST COMMERCE BANK — 2009
What 1ST COMMERCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 45,390,000 | 45,075,000 | 41,184,000 | 38,924,000 |
| Total loans | 38,353,000 | 38,420,000 | 34,389,000 | 33,482,000 |
| Allowance for loan losses | 988,000 | 1,192,000 | 1,207,000 | 1,910,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,591,000 | 39,571,000 | 37,281,000 | 35,997,000 |
| Interest-bearing deposits | 33,372,000 | 32,315,000 | 30,236,000 | 28,745,000 |
| Noninterest-bearing deposits | 6,219,000 | 7,256,000 | 7,045,000 | 7,252,000 |
| Equity capital | 5,673,000 | 5,358,000 | 3,786,000 | 2,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 537,000 | 1,105,000 | 1,605,000 | 2,082,000 |
| Interest expense | 210,000 | 420,000 | 589,000 | 718,000 |
| Net interest income | 327,000 | 685,000 | 1,016,000 | 1,364,000 |
| Noninterest income | 53,000 | 147,000 | 209,000 | 234,000 |
| Noninterest expense | 513,000 | 1,089,000 | 1,628,000 | 2,110,000 |
| Provision for loan losses | 95,000 | 446,000 | 539,000 | 1,392,000 |
| Pretax income | -228,000 | -703,000 | -942,000 | -1,904,000 |
| Income tax | -79,000 | -239,000 | 1,094,000 | 1,094,000 |
| Net income | -149,000 | -464,000 | -2,036,000 | -2,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,499,000 | 4,025,000 | 3,786,000 | 2,824,000 |
| Total capital | 4,966,000 | 4,502,000 | 4,211,000 | 3,240,000 |
| Risk-weighted assets | 36,841,000 | 37,454,000 | 33,223,000 | 31,753,000 |