Call reports 2015
COMMERCIAL BANK — 2015
What COMMERCIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 374,529,000 | 375,520,000 | 380,196,000 | 384,137,000 |
| Total loans | 274,331,000 | 281,538,000 | 285,316,000 | 287,655,000 |
| Allowance for loan losses | 2,604,000 | 2,574,000 | 2,445,000 | 2,490,000 |
| Securities available for sale | 42,935,000 | 42,209,000 | 33,379,000 | 32,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,438,000 | 301,522,000 | 302,550,000 | 308,354,000 |
| Interest-bearing deposits | 252,127,000 | 246,142,000 | 252,225,000 | 254,497,000 |
| Noninterest-bearing deposits | 56,311,000 | 55,380,000 | 50,325,000 | 53,857,000 |
| Equity capital | 32,435,000 | 32,499,000 | 32,965,000 | 32,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,571,000 | 7,034,000 | 10,559,000 | 14,126,000 |
| Interest expense | 748,000 | 1,466,000 | 2,216,000 | 2,968,000 |
| Net interest income | 2,823,000 | 5,568,000 | 8,343,000 | 11,158,000 |
| Noninterest income | 416,000 | 856,000 | 1,308,000 | 1,603,000 |
| Noninterest expense | 2,170,000 | 4,171,000 | 6,301,000 | 8,663,000 |
| Provision for loan losses | 107,000 | 212,000 | 214,000 | 61,000 |
| Pretax income | 962,000 | 2,041,000 | 3,150,000 | 4,050,000 |
| Income tax | 268,000 | 600,000 | 900,000 | 1,156,000 |
| Net income | 694,000 | 1,441,000 | 2,250,000 | 2,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,200,000 | 32,449,000 | 32,747,000 | 32,849,000 |
| Total capital | 34,804,000 | 35,023,000 | 35,192,000 | 35,339,000 |
| Risk-weighted assets | 223,308,000 | 229,869,000 | 237,185,000 | 241,242,000 |