Call reports 2019
COMMERCIAL BANK, THE — 2019
What COMMERCIAL BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 158,677,000 | 161,843,000 | 165,038,000 | 162,688,000 |
| Total loans | 92,303,000 | 93,651,000 | 93,030,000 | 93,902,000 |
| Allowance for loan losses | 1,383,000 | 1,396,000 | 1,416,000 | 1,358,000 |
| Securities available for sale | 46,573,000 | 48,438,000 | 44,699,000 | 46,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,935,000 | 131,165,000 | 137,798,000 | 137,902,000 |
| Interest-bearing deposits | 107,878,000 | 108,089,000 | 106,862,000 | 108,044,000 |
| Noninterest-bearing deposits | 29,057,000 | 23,076,000 | 30,936,000 | 29,858,000 |
| Equity capital | 16,145,000 | 17,075,000 | 17,529,000 | 17,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,761,000 | 3,596,000 | 5,518,000 | 7,376,000 |
| Interest expense | 300,000 | 651,000 | 1,027,000 | 1,379,000 |
| Net interest income | 1,461,000 | 2,945,000 | 4,491,000 | 5,997,000 |
| Noninterest income | 213,000 | 436,000 | 687,000 | 1,106,000 |
| Noninterest expense | 1,212,000 | 2,416,000 | 3,660,000 | 4,951,000 |
| Provision for loan losses | 50,000 | 115,000 | 205,000 | 320,000 |
| Pretax income | 412,000 | 850,000 | 1,300,000 | 1,860,000 |
| Income tax | 77,000 | 155,000 | 236,000 | 339,000 |
| Net income | 335,000 | 695,000 | 1,064,000 | 1,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,027,000 | 16,387,000 | 16,756,000 | 16,313,000 |
| Total capital | 17,277,000 | 17,653,000 | 18,017,000 | 17,566,000 |
| Risk-weighted assets | 99,867,000 | 101,164,000 | 100,719,000 | 100,159,000 |