Call reports 2015
COMMERCIAL BANKING COMPANY — 2015
What COMMERCIAL BANKING COMPANY 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 | 223,419,000 | 227,044,000 | 227,340,000 | 227,191,000 |
| Total loans | 153,567,000 | 163,514,000 | 166,697,000 | 162,668,000 |
| Allowance for loan losses | 3,160,000 | 3,076,000 | 3,087,000 | 3,133,000 |
| Securities available for sale | 33,415,000 | 30,536,000 | 29,011,000 | 27,558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,982,000 | 180,343,000 | 179,630,000 | 179,773,000 |
| Interest-bearing deposits | 123,199,000 | 123,455,000 | 123,157,000 | 123,040,000 |
| Noninterest-bearing deposits | 53,783,000 | 56,888,000 | 56,473,000 | 56,733,000 |
| Equity capital | 28,889,000 | 28,969,000 | 29,613,000 | 28,589,000 |
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 | 2,192,000 | 4,474,000 | 6,853,000 | 9,137,000 |
| Interest expense | 343,000 | 685,000 | 1,031,000 | 1,393,000 |
| Net interest income | 1,849,000 | 3,789,000 | 5,822,000 | 7,744,000 |
| Noninterest income | 644,000 | 1,061,000 | 1,294,000 | 1,670,000 |
| Noninterest expense | 1,818,000 | 3,556,000 | 5,166,000 | 6,705,000 |
| Provision for loan losses | 0 | 30,000 | 135,000 | 225,000 |
| Pretax income | 680,000 | 1,269,000 | 1,821,000 | 2,498,000 |
| Income tax | 205,000 | 373,000 | 564,000 | 766,000 |
| Net income | 475,000 | 896,000 | 1,257,000 | 1,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,071,000 | 29,491,000 | 29,850,000 | 28,766,000 |
| Total capital | 30,962,000 | 31,377,000 | 31,759,000 | 30,638,000 |
| Risk-weighted assets | 150,085,000 | 149,735,000 | 151,544,000 | 148,574,000 |