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 | 98,281,000 | 95,672,000 | 99,543,000 | 95,447,000 |
| Total loans | 34,461,000 | 35,112,000 | 33,197,000 | 35,727,000 |
| Allowance for loan losses | 451,000 | 451,000 | 451,000 | 451,000 |
| Securities available for sale | 29,828,000 | 28,547,000 | 28,239,000 | 24,428,000 |
| Securities held to maturity | 11,277,000 | 12,277,000 | 10,777,000 | 12,669,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,895,000 | 85,382,000 | 88,695,000 | 85,224,000 |
| Interest-bearing deposits | 73,718,000 | 71,794,000 | 72,449,000 | 70,165,000 |
| Noninterest-bearing deposits | 14,177,000 | 13,588,000 | 16,246,000 | 15,059,000 |
| Equity capital | 10,114,000 | 9,953,000 | 10,136,000 | 10,019,000 |
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 | 590,000 | 1,176,000 | 1,764,000 | 2,351,000 |
| Interest expense | 69,000 | 136,000 | 207,000 | 271,000 |
| Net interest income | 521,000 | 1,040,000 | 1,557,000 | 2,080,000 |
| Noninterest income | 54,000 | 108,000 | 174,000 | 224,000 |
| Noninterest expense | 570,000 | 1,136,000 | 1,698,000 | 2,288,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,000 | 12,000 | 33,000 | 16,000 |
| Income tax | -1,000 | -1,000 | 4,000 | -5,000 |
| Net income | 6,000 | 13,000 | 29,000 | 21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,108,000 | 10,115,000 | 10,131,000 | 10,113,000 |
| Total capital | 10,559,000 | 10,566,000 | 10,582,000 | 10,506,000 |
| Risk-weighted assets | 38,853,000 | 39,048,000 | 38,142,000 | 31,436,000 |