Call reports 2019
COMMERCIAL BANKING COMPANY — 2019
What COMMERCIAL BANKING COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 231,221,000 | 230,462,000 | 229,155,000 | 235,153,000 |
| Total loans | 169,370,000 | 173,129,000 | 174,802,000 | 178,570,000 |
| Allowance for loan losses | 2,949,000 | 2,983,000 | 2,998,000 | 3,014,000 |
| Securities available for sale | 22,455,000 | 22,342,000 | 20,796,000 | 20,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,681,000 | 191,239,000 | 188,701,000 | 195,766,000 |
| Interest-bearing deposits | 116,242,000 | 111,606,000 | 107,970,000 | 114,962,000 |
| Noninterest-bearing deposits | 74,439,000 | 79,633,000 | 80,731,000 | 80,804,000 |
| Equity capital | 34,864,000 | 33,238,000 | 34,091,000 | 34,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,624,000 | 5,292,000 | 8,023,000 | 10,727,000 |
| Interest expense | 276,000 | 579,000 | 877,000 | 1,175,000 |
| Net interest income | 2,348,000 | 4,713,000 | 7,146,000 | 9,552,000 |
| Noninterest income | 372,000 | 754,000 | 1,151,000 | 1,505,000 |
| Noninterest expense | 1,867,000 | 3,729,000 | 5,584,000 | 7,516,000 |
| Provision for loan losses | 40,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 813,000 | 1,679,000 | 2,627,000 | 3,425,000 |
| Income tax | 166,000 | 358,000 | 565,000 | 635,000 |
| Net income | 647,000 | 1,321,000 | 2,062,000 | 2,790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,075,000 | 33,249,000 | 33,990,000 | 34,719,000 |
| Total capital | 37,017,000 | 35,243,000 | 35,949,000 | 36,694,000 |
| Risk-weighted assets | 154,431,000 | 158,599,000 | 155,730,000 | 157,012,000 |