Call reports 2014
COMMERCIAL BANKING COMPANY — 2014
What COMMERCIAL BANKING COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 217,810,000 | 216,779,000 | 217,833,000 | 219,244,000 |
| Total loans | 150,085,000 | 154,654,000 | 154,897,000 | 154,903,000 |
| Allowance for loan losses | 2,639,000 | 2,836,000 | 2,978,000 | 3,163,000 |
| Securities available for sale | 39,224,000 | 37,292,000 | 34,322,000 | 34,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,710,000 | 170,878,000 | 172,761,000 | 173,647,000 |
| Interest-bearing deposits | 128,831,000 | 120,448,000 | 123,821,000 | 122,060,000 |
| Noninterest-bearing deposits | 43,879,000 | 50,430,000 | 48,940,000 | 51,587,000 |
| Equity capital | 27,646,000 | 28,458,000 | 27,487,000 | 28,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,217,000 | 4,455,000 | 6,755,000 | 9,004,000 |
| Interest expense | 385,000 | 760,000 | 1,113,000 | 1,469,000 |
| Net interest income | 1,832,000 | 3,695,000 | 5,642,000 | 7,535,000 |
| Noninterest income | 532,000 | 1,122,000 | 1,727,000 | 2,339,000 |
| Noninterest expense | 1,875,000 | 3,739,000 | 5,485,000 | 7,258,000 |
| Provision for loan losses | 150,000 | 250,000 | 400,000 | 400,000 |
| Pretax income | 338,000 | 828,000 | 1,485,000 | 2,217,000 |
| Income tax | 57,000 | 200,000 | 422,000 | 667,000 |
| Net income | 281,000 | 628,000 | 1,063,000 | 1,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,886,000 | 29,233,000 | 28,107,000 | 28,594,000 |
| Total capital | 30,818,000 | 31,186,000 | 30,011,000 | 30,528,000 |
| Risk-weighted assets | 153,845,000 | 155,366,000 | 151,213,000 | 153,491,000 |