Call reports 2015
COMMERCIAL BANK, THE — 2015
What COMMERCIAL BANK, THE 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 | 165,433,000 | 168,387,000 | 172,512,000 | 172,541,000 |
| Total loans | 63,443,000 | 61,885,000 | 58,441,000 | 59,141,000 |
| Allowance for loan losses | 921,000 | 894,000 | 869,000 | 892,000 |
| Securities available for sale | 77,227,000 | 81,058,000 | 84,606,000 | 88,269,000 |
| Securities held to maturity | 249,000 | 245,000 | 240,000 | 234,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,431,000 | 144,334,000 | 147,350,000 | 147,673,000 |
| Interest-bearing deposits | 110,414,000 | 114,359,000 | 115,054,000 | 115,678,000 |
| Noninterest-bearing deposits | 30,017,000 | 29,975,000 | 32,296,000 | 31,995,000 |
| Equity capital | 24,374,000 | 23,516,000 | 24,493,000 | 24,388,000 |
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 | 1,311,000 | 2,656,000 | 3,995,000 | 5,361,000 |
| Interest expense | 118,000 | 238,000 | 361,000 | 482,000 |
| Net interest income | 1,193,000 | 2,418,000 | 3,634,000 | 4,879,000 |
| Noninterest income | 196,000 | 428,000 | 649,000 | 866,000 |
| Noninterest expense | 891,000 | 1,778,000 | 2,679,000 | 3,603,000 |
| Provision for loan losses | 5,000 | 18,000 | 41,000 | 92,000 |
| Pretax income | 493,000 | 1,050,000 | 1,574,000 | 2,061,000 |
| Income tax | 21,000 | 45,000 | 67,000 | 88,000 |
| Net income | 472,000 | 1,005,000 | 1,507,000 | 1,973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,922,000 | 23,206,000 | 23,457,000 | 23,623,000 |
| Total capital | 23,784,000 | 24,062,000 | 24,302,000 | 24,496,000 |
| Risk-weighted assets | 69,027,000 | 68,432,000 | 67,579,000 | 69,843,000 |