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 | 133,823,000 | 130,395,000 | 126,180,000 | 129,364,000 |
| Total loans | 70,811,000 | 70,905,000 | 70,999,000 | 75,013,000 |
| Allowance for loan losses | 1,108,000 | 1,009,000 | 908,000 | 918,000 |
| Securities available for sale | 33,835,000 | 32,164,000 | 31,779,000 | 31,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,872,000 | 110,020,000 | 106,005,000 | 105,974,000 |
| Interest-bearing deposits | 88,002,000 | 86,431,000 | 81,451,000 | 79,263,000 |
| Noninterest-bearing deposits | 28,870,000 | 23,589,000 | 24,554,000 | 26,711,000 |
| Equity capital | 12,677,000 | 13,048,000 | 13,286,000 | 13,641,000 |
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 | 1,325,000 | 2,671,000 | 4,040,000 | 5,429,000 |
| Interest expense | 203,000 | 353,000 | 500,000 | 644,000 |
| Net interest income | 1,122,000 | 2,318,000 | 3,540,000 | 4,785,000 |
| Noninterest income | 197,000 | 396,000 | 636,000 | 784,000 |
| Noninterest expense | 1,111,000 | 2,209,000 | 3,316,000 | 4,418,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 208,000 | 505,000 | 860,000 | 1,151,000 |
| Income tax | 69,000 | 157,000 | 278,000 | 400,000 |
| Net income | 139,000 | 348,000 | 582,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,943,000 | 12,334,000 | 12,714,000 | 13,105,000 |
| Total capital | 13,051,000 | 13,343,000 | 13,622,000 | 14,023,000 |
| Risk-weighted assets | 90,982,000 | 90,384,000 | 88,594,000 | 91,785,000 |