Call reports 2014
COMMERCIAL BANK — 2014
What COMMERCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 383,344,000 | 379,131,000 | 374,539,000 | 373,191,000 |
| Total loans | 265,573,000 | 268,591,000 | 272,416,000 | 276,436,000 |
| Allowance for loan losses | 2,658,000 | 2,635,000 | 2,452,000 | 2,443,000 |
| Securities available for sale | 58,852,000 | 56,358,000 | 47,984,000 | 42,551,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,026,000 | 326,981,000 | 321,214,000 | 306,366,000 |
| Interest-bearing deposits | 278,218,000 | 267,468,000 | 265,598,000 | 249,914,000 |
| Noninterest-bearing deposits | 56,808,000 | 59,513,000 | 55,616,000 | 56,452,000 |
| Equity capital | 30,879,000 | 31,324,000 | 31,645,000 | 31,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,563,000 | 7,113,000 | 10,671,000 | 14,195,000 |
| Interest expense | 857,000 | 1,677,000 | 2,488,000 | 3,277,000 |
| Net interest income | 2,706,000 | 5,436,000 | 8,183,000 | 10,918,000 |
| Noninterest income | 394,000 | 1,183,000 | 1,629,000 | 2,117,000 |
| Noninterest expense | 2,312,000 | 4,443,000 | 6,639,000 | 8,752,000 |
| Provision for loan losses | 46,000 | 467,000 | 484,000 | 610,000 |
| Pretax income | 742,000 | 1,709,000 | 2,703,000 | 3,688,000 |
| Income tax | 157,000 | 457,000 | 714,000 | 998,000 |
| Net income | 585,000 | 1,252,000 | 1,989,000 | 2,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,063,000 | 31,290,000 | 31,591,000 | 31,792,000 |
| Total capital | 33,721,000 | 33,925,000 | 34,043,000 | 34,235,000 |
| Risk-weighted assets | 216,495,000 | 218,376,000 | 222,031,000 | 226,018,000 |