Call reports 2016
COMMERCIAL BANKING COMPANY — 2016
What COMMERCIAL BANKING COMPANY 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 | 228,450,000 | 231,592,000 | 232,132,000 | 235,235,000 |
| Total loans | 157,833,000 | 163,282,000 | 160,902,000 | 162,485,000 |
| Allowance for loan losses | 3,112,000 | 3,047,000 | 2,753,000 | 2,705,000 |
| Securities available for sale | 27,090,000 | 26,913,000 | 25,895,000 | 26,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,888,000 | 184,294,000 | 183,824,000 | 193,182,000 |
| Interest-bearing deposits | 125,235,000 | 122,783,000 | 117,765,000 | 123,380,000 |
| Noninterest-bearing deposits | 56,653,000 | 61,511,000 | 66,059,000 | 69,802,000 |
| Equity capital | 29,038,000 | 29,584,000 | 30,026,000 | 29,700,000 |
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 | 2,151,000 | 4,435,000 | 6,687,000 | 8,938,000 |
| Interest expense | 360,000 | 719,000 | 1,075,000 | 1,395,000 |
| Net interest income | 1,791,000 | 3,716,000 | 5,612,000 | 7,543,000 |
| Noninterest income | 286,000 | 626,000 | 950,000 | 1,275,000 |
| Noninterest expense | 1,625,000 | 3,282,000 | 4,934,000 | 6,544,000 |
| Provision for loan losses | 0 | 110,000 | 150,000 | 210,000 |
| Pretax income | 453,000 | 948,000 | 1,504,000 | 2,090,000 |
| Income tax | 130,000 | 256,000 | 402,000 | 611,000 |
| Net income | 323,000 | 692,000 | 1,102,000 | 1,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,089,000 | 29,458,000 | 29,869,000 | 30,246,000 |
| Total capital | 30,927,000 | 31,363,000 | 31,759,000 | 32,148,000 |
| Risk-weighted assets | 145,782,000 | 151,272,000 | 150,347,000 | 151,398,000 |