Call reports 2020
COMMERCIAL BANKING COMPANY — 2020
What COMMERCIAL BANKING COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 234,797,000 | 269,014,000 | 280,942,000 | 308,329,000 |
| Total loans | 179,063,000 | 197,370,000 | 200,940,000 | 194,013,000 |
| Allowance for loan losses | 3,069,000 | 2,927,000 | 3,159,000 | 3,338,000 |
| Securities available for sale | 20,492,000 | 20,117,000 | 20,219,000 | 19,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,361,000 | 226,848,000 | 237,655,000 | 269,734,000 |
| Interest-bearing deposits | 114,775,000 | 127,068,000 | 130,206,000 | 154,985,000 |
| Noninterest-bearing deposits | 79,586,000 | 99,780,000 | 107,449,000 | 114,749,000 |
| Equity capital | 35,748,000 | 34,176,000 | 35,144,000 | 35,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,752,000 | 5,603,000 | 8,778,000 | 10,703,000 |
| Interest expense | 286,000 | 555,000 | 815,000 | 1,018,000 |
| Net interest income | 2,466,000 | 5,048,000 | 7,963,000 | 9,685,000 |
| Noninterest income | 372,000 | 725,000 | 1,174,000 | 2,392,000 |
| Noninterest expense | 1,878,000 | 3,734,000 | 5,697,000 | 7,804,000 |
| Provision for loan losses | 60,000 | 185,000 | 385,000 | 560,000 |
| Pretax income | 910,000 | 1,864,000 | 3,065,000 | 3,723,000 |
| Income tax | 189,000 | 376,000 | 616,000 | 661,000 |
| Net income | 721,000 | 1,488,000 | 2,449,000 | 3,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,441,000 | 33,709,000 | 34,669,000 | 35,281,000 |
| Total capital | 37,465,000 | — | 36,773,000 | 37,328,000 |
| Risk-weighted assets | 160,940,000 | — | 167,295,000 | 162,502,000 |