Call reports 2014
COMMERCIAL BANK — 2014
What COMMERCIAL BANK 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 | 173,575,000 | 171,312,000 | 179,871,000 | 187,180,000 |
| Total loans | 100,595,000 | 102,702,000 | 101,426,000 | 102,922,000 |
| Allowance for loan losses | 1,570,000 | 1,654,000 | 1,772,000 | 1,268,000 |
| Securities available for sale | 54,519,000 | 50,394,000 | 65,358,000 | 65,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,245,000 | 154,665,000 | 163,002,000 | 169,588,000 |
| Interest-bearing deposits | 126,597,000 | 123,169,000 | 129,008,000 | 133,348,000 |
| Noninterest-bearing deposits | 30,648,000 | 31,496,000 | 33,994,000 | 36,240,000 |
| Equity capital | 13,848,000 | 14,170,000 | 14,288,000 | 14,787,000 |
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 | 1,623,000 | 3,186,000 | 4,810,000 | 6,484,000 |
| Interest expense | 137,000 | 267,000 | 394,000 | 521,000 |
| Net interest income | 1,486,000 | 2,919,000 | 4,416,000 | 5,963,000 |
| Noninterest income | 509,000 | 753,000 | 1,101,000 | 1,538,000 |
| Noninterest expense | 1,627,000 | 3,269,000 | 4,959,000 | 6,773,000 |
| Provision for loan losses | 68,000 | 135,000 | 180,000 | 268,000 |
| Pretax income | 300,000 | 400,000 | 510,000 | 824,000 |
| Income tax | 109,000 | 127,000 | 152,000 | 233,000 |
| Net income | 191,000 | 273,000 | 358,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,433,000 | 13,610,000 | 13,763,000 | 13,715,000 |
| Total capital | 14,875,000 | 15,077,000 | 15,240,000 | 14,983,000 |
| Risk-weighted assets | 116,287,000 | 117,345,000 | 117,844,000 | 119,887,000 |