Call reports 2020
COMMERCIAL BANK, THE — 2020
What COMMERCIAL BANK, THE 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 | 197,980,000 | 215,707,000 | 222,393,000 | 226,536,000 |
| Total loans | 68,694,000 | 68,871,000 | 69,764,000 | 66,652,000 |
| Allowance for loan losses | 1,068,000 | 1,102,000 | 1,103,000 | 1,111,000 |
| Securities available for sale | 82,551,000 | 95,820,000 | 104,976,000 | 116,082,000 |
| Securities held to maturity | 156,000 | 151,000 | 146,000 | 141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,824,000 | 185,156,000 | 191,793,000 | 196,136,000 |
| Interest-bearing deposits | 120,155,000 | 126,415,000 | 132,743,000 | 137,418,000 |
| Noninterest-bearing deposits | 48,669,000 | 58,741,000 | 59,050,000 | 58,718,000 |
| Equity capital | 28,596,000 | 29,911,000 | 29,969,000 | 29,515,000 |
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 | 1,504,000 | 2,934,000 | 4,409,000 | 5,873,000 |
| Interest expense | 161,000 | 311,000 | 463,000 | 612,000 |
| Net interest income | 1,343,000 | 2,623,000 | 3,946,000 | 5,261,000 |
| Noninterest income | 220,000 | 427,000 | 668,000 | 883,000 |
| Noninterest expense | 1,007,000 | 2,022,000 | 3,061,000 | 4,090,000 |
| Provision for loan losses | 17,000 | 47,000 | 98,000 | 113,000 |
| Pretax income | 573,000 | 1,015,000 | 1,489,000 | 1,981,000 |
| Income tax | 25,000 | 46,000 | 64,000 | 85,000 |
| Net income | 548,000 | 969,000 | 1,425,000 | 1,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,379,000 | 28,550,000 | 28,757,000 | 28,827,000 |
| Total capital | 29,160,000 | 29,360,000 | 29,590,000 | 29,715,000 |
| Risk-weighted assets | 62,202,000 | 64,482,000 | 66,391,000 | 70,807,000 |