Call reports 2015
COMMERCIAL BANK — 2015
What COMMERCIAL BANK 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 | 186,834,000 | 181,655,000 | 184,176,000 | 184,700,000 |
| Total loans | 108,566,000 | 105,100,000 | 104,088,000 | 109,507,000 |
| Allowance for loan losses | 1,384,000 | 1,338,000 | 1,355,000 | 1,433,000 |
| Securities available for sale | 58,298,000 | 54,321,000 | 64,138,000 | 63,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,382,000 | 163,592,000 | 165,451,000 | 166,628,000 |
| Interest-bearing deposits | 134,652,000 | 128,549,000 | 130,144,000 | 128,371,000 |
| Noninterest-bearing deposits | 33,730,000 | 35,043,000 | 35,307,000 | 38,257,000 |
| Equity capital | 15,392,000 | 15,087,000 | 15,617,000 | 15,129,000 |
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 | 1,670,000 | 3,241,000 | 4,848,000 | 6,481,000 |
| Interest expense | 121,000 | 245,000 | 374,000 | 496,000 |
| Net interest income | 1,549,000 | 2,996,000 | 4,474,000 | 5,985,000 |
| Noninterest income | 466,000 | 950,000 | 1,319,000 | 1,627,000 |
| Noninterest expense | 1,833,000 | 3,533,000 | 5,250,000 | 6,967,000 |
| Provision for loan losses | 110,000 | 155,000 | 155,000 | 200,000 |
| Pretax income | 258,000 | 480,000 | 671,000 | 749,000 |
| Income tax | 70,000 | 131,000 | 176,000 | 179,000 |
| Net income | 188,000 | 349,000 | 495,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,138,000 | 15,300,000 | 15,388,000 | 15,270,000 |
| Total capital | 16,522,000 | 16,638,000 | 16,743,000 | 16,703,000 |
| Risk-weighted assets | 125,425,000 | 122,481,000 | 125,574,000 | 130,195,000 |