Call reports 2010
1ST COMMERCE BANK — 2010
What 1ST COMMERCE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 45,269,000 | 44,537,000 | 43,893,000 | 38,355,000 |
| Total loans | 31,466,000 | 29,621,000 | 26,612,000 | 25,247,000 |
| Allowance for loan losses | 1,280,000 | 1,450,000 | 846,000 | 1,550,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,057,000 | 42,785,000 | 42,428,000 | 38,400,000 |
| Interest-bearing deposits | 37,170,000 | 36,865,000 | 34,287,000 | 30,973,000 |
| Noninterest-bearing deposits | 5,887,000 | 5,920,000 | 8,141,000 | 7,427,000 |
| Equity capital | 2,099,000 | 1,651,000 | 1,345,000 | -175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 465,000 | 874,000 | 1,194,000 | 1,543,000 |
| Interest expense | 149,000 | 270,000 | 391,000 | 502,000 |
| Net interest income | 316,000 | 604,000 | 803,000 | 1,041,000 |
| Noninterest income | -124,000 | -108,000 | -135,000 | -193,000 |
| Noninterest expense | 470,000 | 893,000 | 1,366,000 | 1,866,000 |
| Provision for loan losses | 447,000 | 776,000 | 2,281,000 | 3,481,000 |
| Pretax income | -725,000 | -1,173,000 | -2,979,000 | -4,499,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -725,000 | -1,173,000 | -2,979,000 | -4,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,099,000 | 1,651,000 | 1,345,000 | -175,000 |
| Total capital | 2,500,000 | 2,030,000 | 1,688,000 | -175,000 |
| Risk-weighted assets | 31,216,000 | 29,277,000 | 26,902,000 | 24,843,000 |