Call reports 2016
COMMERCIAL BANK — 2016
What COMMERCIAL BANK 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 | 186,734,000 | 185,286,000 | 185,039,000 | 185,617,000 |
| Total loans | 113,848,000 | 108,327,000 | 113,419,000 | 117,307,000 |
| Allowance for loan losses | 2,031,000 | 2,239,000 | 2,155,000 | 2,173,000 |
| Securities available for sale | 62,119,000 | 64,934,000 | 58,566,000 | 56,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,274,000 | 160,928,000 | 160,697,000 | 164,759,000 |
| Interest-bearing deposits | 121,611,000 | 122,216,000 | 121,546,000 | 123,173,000 |
| Noninterest-bearing deposits | 33,663,000 | 38,712,000 | 39,151,000 | 41,586,000 |
| Equity capital | 15,771,000 | 15,849,000 | 16,017,000 | 14,889,000 |
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 | 1,659,000 | 3,265,000 | 4,939,000 | 6,621,000 |
| Interest expense | 126,000 | 251,000 | 382,000 | 516,000 |
| Net interest income | 1,533,000 | 3,014,000 | 4,557,000 | 6,105,000 |
| Noninterest income | 341,000 | 985,000 | 1,564,000 | 2,371,000 |
| Noninterest expense | 1,676,000 | 3,884,000 | 6,070,000 | 8,145,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 198,000 | 133,000 | 295,000 | 575,000 |
| Income tax | 51,000 | 58,000 | 106,000 | 136,000 |
| Net income | 147,000 | 75,000 | 189,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,401,000 | 15,312,000 | 15,434,000 | 15,709,000 |
| Total capital | 17,039,000 | 16,891,000 | 17,071,000 | 17,377,000 |
| Risk-weighted assets | 130,617,000 | 125,701,000 | 130,459,000 | 132,962,000 |