Call reports 2019
COMMERCIAL BANK — 2019
What COMMERCIAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 527,063,000 | 519,541,000 | 511,559,000 | 504,360,000 |
| Total loans | 378,015,000 | 376,244,000 | 381,898,000 | 385,692,000 |
| Allowance for loan losses | 2,672,000 | 2,743,000 | 2,754,000 | 2,752,000 |
| Securities available for sale | 33,131,000 | 34,948,000 | 32,739,000 | 31,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,968,000 | 411,152,000 | 397,750,000 | 391,542,000 |
| Interest-bearing deposits | 343,823,000 | 325,628,000 | 316,273,000 | 304,408,000 |
| Noninterest-bearing deposits | 81,145,000 | 85,524,000 | 81,477,000 | 87,134,000 |
| Equity capital | 48,250,000 | 49,221,000 | 50,236,000 | 50,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,973,000 | 10,041,000 | 15,102,000 | 20,060,000 |
| Interest expense | 1,258,000 | 2,578,000 | 3,746,000 | 4,801,000 |
| Net interest income | 3,715,000 | 7,463,000 | 11,356,000 | 15,259,000 |
| Noninterest income | 558,000 | 1,120,000 | 1,888,000 | 2,490,000 |
| Noninterest expense | 2,785,000 | 5,543,000 | 8,241,000 | 10,954,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,488,000 | 3,040,000 | 5,004,000 | 6,796,000 |
| Income tax | 242,000 | 521,000 | 872,000 | 1,220,000 |
| Net income | 1,246,000 | 2,519,000 | 4,132,000 | 5,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,604,000 | 45,221,000 | 46,153,000 | 46,842,000 |
| Total capital | 47,276,000 | 47,964,000 | 48,907,000 | 49,594,000 |
| Risk-weighted assets | 331,396,000 | 334,193,000 | 346,782,000 | 349,744,000 |