Call reports 2020
COMMERCIAL BANK — 2020
What COMMERCIAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 510,775,000 | 554,283,000 | 547,576,000 | 547,227,000 |
| Total loans | 387,975,000 | 415,606,000 | 409,697,000 | 409,107,000 |
| Allowance for loan losses | 3,255,000 | 3,733,000 | 4,043,000 | 4,215,000 |
| Securities available for sale | 30,100,000 | 30,891,000 | 30,245,000 | 37,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,190,000 | 448,938,000 | 453,252,000 | 452,661,000 |
| Interest-bearing deposits | 313,967,000 | 330,392,000 | 339,461,000 | 331,111,000 |
| Noninterest-bearing deposits | 84,223,000 | 118,546,000 | 113,791,000 | 121,550,000 |
| Equity capital | 51,449,000 | 52,224,000 | 52,714,000 | 53,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,826,000 | 9,686,000 | 14,402,000 | 19,028,000 |
| Interest expense | 949,000 | 1,776,000 | 2,511,000 | 3,162,000 |
| Net interest income | 3,877,000 | 7,910,000 | 11,891,000 | 15,866,000 |
| Noninterest income | 514,000 | 1,037,000 | 1,597,000 | 2,190,000 |
| Noninterest expense | 2,781,000 | 5,385,000 | 8,111,000 | 10,884,000 |
| Provision for loan losses | 500,000 | 950,000 | 1,250,000 | 1,450,000 |
| Pretax income | 1,110,000 | 2,612,000 | 4,127,000 | 5,722,000 |
| Income tax | 177,000 | 434,000 | 681,000 | 964,000 |
| Net income | 933,000 | 2,178,000 | 3,446,000 | 4,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,044,000 | 47,707,000 | 48,254,000 | 48,835,000 |
| Total capital | 50,299,000 | 51,440,000 | 52,297,000 | 53,050,000 |
| Risk-weighted assets | 353,565,000 | 352,558,000 | 339,923,000 | 342,167,000 |