Call reports 2016
COMMERCIAL BANK, THE — 2016
What COMMERCIAL BANK, THE 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 | 176,741,000 | 176,549,000 | 179,459,000 | 176,308,000 |
| Total loans | 57,240,000 | 57,146,000 | 60,645,000 | 62,574,000 |
| Allowance for loan losses | 847,000 | 851,000 | 871,000 | 923,000 |
| Securities available for sale | 88,896,000 | 90,801,000 | 88,036,000 | 86,837,000 |
| Securities held to maturity | 231,000 | 227,000 | 223,000 | 218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,867,000 | 149,920,000 | 152,650,000 | 152,581,000 |
| Interest-bearing deposits | 116,533,000 | 115,707,000 | 116,739,000 | 119,147,000 |
| Noninterest-bearing deposits | 34,334,000 | 34,213,000 | 35,911,000 | 33,434,000 |
| Equity capital | 25,258,000 | 25,792,000 | 26,066,000 | 23,206,000 |
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 | 1,339,000 | 2,682,000 | 4,017,000 | 5,357,000 |
| Interest expense | 118,000 | 244,000 | 374,000 | 475,000 |
| Net interest income | 1,221,000 | 2,438,000 | 3,643,000 | 4,882,000 |
| Noninterest income | 207,000 | 427,000 | 672,000 | 916,000 |
| Noninterest expense | 859,000 | 1,789,000 | 2,723,000 | 3,650,000 |
| Provision for loan losses | 58,000 | 71,000 | 95,000 | 155,000 |
| Pretax income | 528,000 | 1,065,000 | 1,591,000 | 2,087,000 |
| Income tax | 22,000 | 45,000 | 68,000 | 89,000 |
| Net income | 506,000 | 1,020,000 | 1,523,000 | 1,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,879,000 | 24,143,000 | 24,397,000 | 24,570,000 |
| Total capital | 24,712,000 | 24,981,000 | 25,253,000 | 25,479,000 |
| Risk-weighted assets | 66,626,000 | 67,086,000 | 68,455,000 | 72,697,000 |