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 | 138,636,000 | 134,346,000 | 135,160,000 | 140,820,000 |
| Total loans | 74,950,000 | 75,293,000 | 79,520,000 | 81,837,000 |
| Allowance for loan losses | 863,000 | 871,000 | 842,000 | 1,014,000 |
| Securities available for sale | 36,398,000 | 35,834,000 | 35,394,000 | 35,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,548,000 | 118,655,000 | 116,118,000 | 113,834,000 |
| Interest-bearing deposits | 95,433,000 | 93,913,000 | 89,535,000 | 88,806,000 |
| Noninterest-bearing deposits | 28,115,000 | 24,742,000 | 26,583,000 | 25,028,000 |
| Equity capital | 13,595,000 | 14,183,000 | 14,462,000 | 13,982,000 |
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 | 1,405,000 | 2,836,000 | 4,303,000 | 5,778,000 |
| Interest expense | 89,000 | 176,000 | 264,000 | 350,000 |
| Net interest income | 1,316,000 | 2,660,000 | 4,039,000 | 5,428,000 |
| Noninterest income | 221,000 | 455,000 | 738,000 | 1,010,000 |
| Noninterest expense | 1,172,000 | 2,250,000 | 3,450,000 | 4,557,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 352,000 | 727,000 | 1,119,000 | 1,436,000 |
| Income tax | 108,000 | 220,000 | 344,000 | 417,000 |
| Net income | 244,000 | 507,000 | 775,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,019,000 | 13,500,000 | 13,957,000 | 14,362,000 |
| Total capital | 13,882,000 | 14,371,000 | 14,799,000 | 15,376,000 |
| Risk-weighted assets | 94,140,000 | 92,364,000 | 93,251,000 | 94,125,000 |