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 | 131,769,000 | 126,249,000 | 126,424,000 | 128,518,000 |
| Total loans | 74,241,000 | 75,595,000 | 74,881,000 | 75,595,000 |
| Allowance for loan losses | 928,000 | 928,000 | 872,000 | 861,000 |
| Securities available for sale | 31,015,000 | 30,250,000 | 30,294,000 | 31,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,357,000 | 108,700,000 | 108,557,000 | 107,139,000 |
| Interest-bearing deposits | 89,859,000 | 87,009,000 | 87,601,000 | 85,644,000 |
| Noninterest-bearing deposits | 24,498,000 | 21,691,000 | 20,956,000 | 21,495,000 |
| Equity capital | 13,279,000 | 13,353,000 | 13,153,000 | 13,704,000 |
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 | 1,386,000 | 2,753,000 | 4,186,000 | 5,588,000 |
| Interest expense | 147,000 | 270,000 | 349,000 | 436,000 |
| Net interest income | 1,239,000 | 2,483,000 | 3,837,000 | 5,152,000 |
| Noninterest income | 204,000 | 404,000 | 620,000 | 1,159,000 |
| Noninterest expense | 1,183,000 | 2,318,000 | 3,440,000 | 4,482,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 260,000 | 569,000 | 992,000 | 779,000 |
| Income tax | 92,000 | 219,000 | 387,000 | 291,000 |
| Net income | 168,000 | 350,000 | 605,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,229,000 | 12,550,000 | 12,990,000 | 13,168,000 |
| Total capital | 13,157,000 | 13,478,000 | 13,862,000 | 14,029,000 |
| Risk-weighted assets | 92,650,000 | 94,040,000 | 100,302,000 | 93,974,000 |