Call reports 2014
COMMERCIAL BANK, THE — 2014
What COMMERCIAL BANK, THE 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 | 156,135,000 | 159,252,000 | 160,624,000 | 161,491,000 |
| Total loans | 60,806,000 | 59,030,000 | 60,848,000 | 63,568,000 |
| Allowance for loan losses | 964,000 | 931,000 | 885,000 | 922,000 |
| Securities available for sale | 76,154,000 | 77,753,000 | 78,338,000 | 78,012,000 |
| Securities held to maturity | 266,000 | 262,000 | 257,000 | 252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,416,000 | 136,438,000 | 137,197,000 | 137,441,000 |
| Interest-bearing deposits | 107,409,000 | 108,007,000 | 108,801,000 | 109,697,000 |
| Noninterest-bearing deposits | 27,007,000 | 28,431,000 | 28,396,000 | 27,744,000 |
| Equity capital | 21,156,000 | 22,302,000 | 22,800,000 | 23,562,000 |
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 | 1,362,000 | 2,719,000 | 4,073,000 | 5,448,000 |
| Interest expense | 125,000 | 248,000 | 371,000 | 493,000 |
| Net interest income | 1,237,000 | 2,471,000 | 3,702,000 | 4,955,000 |
| Noninterest income | 219,000 | 459,000 | 681,000 | 897,000 |
| Noninterest expense | 925,000 | 1,835,000 | 2,753,000 | 3,697,000 |
| Provision for loan losses | 15,000 | 20,000 | 43,000 | 80,000 |
| Pretax income | 527,000 | 1,086,000 | 1,598,000 | 2,117,000 |
| Income tax | 23,000 | 46,000 | 68,000 | 91,000 |
| Net income | 504,000 | 1,040,000 | 1,530,000 | 2,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,978,000 | 22,264,000 | 22,504,000 | 22,701,000 |
| Total capital | 22,851,000 | 23,115,000 | 23,373,000 | 23,599,000 |
| Risk-weighted assets | 69,739,000 | 67,992,000 | 69,516,000 | 71,832,000 |
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