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 | 95,872,000 | 93,303,000 | 95,444,000 | 100,212,000 |
| Total loans | 34,031,000 | 34,727,000 | 34,283,000 | 35,124,000 |
| Allowance for loan losses | 451,000 | 451,000 | 451,000 | 451,000 |
| Securities available for sale | 17,331,000 | 16,145,000 | 15,438,000 | 16,314,000 |
| Securities held to maturity | 18,253,000 | 16,454,000 | 14,288,000 | 13,954,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,458,000 | 82,773,000 | 84,676,000 | 89,791,000 |
| Interest-bearing deposits | 70,889,000 | 67,795,000 | 66,678,000 | 73,527,000 |
| Noninterest-bearing deposits | 14,569,000 | 14,978,000 | 17,998,000 | 16,264,000 |
| Equity capital | 10,166,000 | 10,244,000 | 10,281,000 | 10,061,000 |
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 | 571,000 | 1,125,000 | 1,666,000 | 2,210,000 |
| Interest expense | 63,000 | 125,000 | 190,000 | 256,000 |
| Net interest income | 508,000 | 1,000,000 | 1,476,000 | 1,954,000 |
| Noninterest income | 41,000 | 94,000 | 152,000 | 201,000 |
| Noninterest expense | 533,000 | 1,041,000 | 1,546,000 | 2,065,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 53,000 | 82,000 | 90,000 |
| Income tax | 3,000 | 15,000 | 23,000 | 23,000 |
| Net income | 13,000 | 38,000 | 59,000 | 67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,126,000 | 10,151,000 | 10,100,000 | 10,171,000 |
| Total capital | 10,496,000 | 10,553,000 | 10,497,000 | 10,596,000 |
| Risk-weighted assets | 29,540,000 | 32,169,000 | 31,743,000 | 33,998,000 |