Call reports 2016
COMMERCIAL BANK — 2016
What COMMERCIAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 407,243,000 | 396,938,000 | 398,840,000 | 399,364,000 |
| Total loans | 290,010,000 | 296,218,000 | 301,407,000 | 310,688,000 |
| Allowance for loan losses | 2,594,000 | 2,705,000 | 2,744,000 | 2,692,000 |
| Securities available for sale | 31,028,000 | 23,680,000 | 21,682,000 | 21,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,309,000 | 319,222,000 | 320,663,000 | 318,432,000 |
| Interest-bearing deposits | 270,712,000 | 260,363,000 | 265,540,000 | 259,454,000 |
| Noninterest-bearing deposits | 59,597,000 | 58,859,000 | 55,123,000 | 58,978,000 |
| Equity capital | 33,335,000 | 33,684,000 | 33,972,000 | 33,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,589,000 | 7,216,000 | 10,842,000 | 14,545,000 |
| Interest expense | 749,000 | 1,482,000 | 2,187,000 | 2,908,000 |
| Net interest income | 2,840,000 | 5,734,000 | 8,655,000 | 11,637,000 |
| Noninterest income | 371,000 | 749,000 | 1,150,000 | 1,515,000 |
| Noninterest expense | 2,185,000 | 4,306,000 | 6,494,000 | 8,723,000 |
| Provision for loan losses | 32,000 | 43,000 | 44,000 | 0 |
| Pretax income | 994,000 | 2,145,000 | 3,280,000 | 4,442,000 |
| Income tax | 284,000 | 622,000 | 932,000 | 1,297,000 |
| Net income | 710,000 | 1,523,000 | 2,348,000 | 3,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,091,000 | 33,376,000 | 33,692,000 | 33,895,000 |
| Total capital | 35,685,000 | 36,081,000 | 36,436,000 | 36,587,000 |
| Risk-weighted assets | 243,731,000 | 248,770,000 | 256,166,000 | 262,961,000 |