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 | 173,923,000 | 186,681,000 | 181,189,000 | 181,119,000 |
| Total loans | 96,876,000 | 102,245,000 | 103,345,000 | 99,691,000 |
| Allowance for loan losses | 1,367,000 | 1,555,000 | 1,877,000 | 2,094,000 |
| Securities available for sale | 58,082,000 | 60,773,000 | 58,027,000 | 59,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,752,000 | 159,495,000 | 155,610,000 | 157,631,000 |
| Interest-bearing deposits | 119,664,000 | 120,854,000 | 118,321,000 | 118,083,000 |
| Noninterest-bearing deposits | 32,088,000 | 38,641,000 | 37,289,000 | 39,548,000 |
| Equity capital | 16,412,000 | 18,266,000 | 18,630,000 | 19,647,000 |
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 | 1,865,000 | 3,729,000 | 5,615,000 | 7,572,000 |
| Interest expense | 353,000 | 680,000 | 983,000 | 1,210,000 |
| Net interest income | 1,512,000 | 3,049,000 | 4,632,000 | 6,362,000 |
| Noninterest income | 309,000 | 543,000 | 794,000 | 1,296,000 |
| Noninterest expense | 1,306,000 | 2,595,000 | 3,815,000 | 5,052,000 |
| Provision for loan losses | 100,000 | 350,000 | 700,000 | 950,000 |
| Pretax income | 415,000 | 812,000 | 1,279,000 | 2,024,000 |
| Income tax | 73,000 | 146,000 | 231,000 | 370,000 |
| Net income | 342,000 | 666,000 | 1,048,000 | 1,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,655,000 | 16,979,000 | 17,361,000 | 18,305,000 |