Call reports 2020
COMMERCIAL BANK — 2020
What COMMERCIAL BANK 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 | 217,679,000 | 254,992,000 | 258,172,000 | 257,068,000 |
| Total loans | 142,143,000 | 165,305,000 | 173,198,000 | 161,769,000 |
| Allowance for loan losses | 1,631,000 | 1,781,000 | 1,850,000 | 1,833,000 |
| Securities available for sale | 59,494,000 | 51,518,000 | 50,257,000 | 56,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,988,000 | 225,160,000 | 228,494,000 | 227,398,000 |
| Interest-bearing deposits | 133,822,000 | 149,585,000 | 153,098,000 | 152,246,000 |
| Noninterest-bearing deposits | 55,166,000 | 75,575,000 | 75,396,000 | 75,152,000 |
| Equity capital | 18,520,000 | 18,576,000 | 18,820,000 | 19,254,000 |
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 | 2,056,000 | 4,165,000 | 6,298,000 | 8,566,000 |
| Interest expense | 366,000 | 709,000 | 1,050,000 | 1,378,000 |
| Net interest income | 1,690,000 | 3,456,000 | 5,248,000 | 7,188,000 |
| Noninterest income | 451,000 | 1,308,000 | 2,217,000 | 3,121,000 |
| Noninterest expense | 1,851,000 | 3,991,000 | 6,030,000 | 8,340,000 |
| Provision for loan losses | 50,000 | 80,000 | 225,000 | 225,000 |
| Pretax income | 318,000 | 765,000 | 1,282,000 | 1,816,000 |
| Income tax | 75,000 | 182,000 | 308,000 | 434,000 |
| Net income | 243,000 | 583,000 | 974,000 | 1,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,167,000 | 17,508,000 | 17,899,000 | 18,307,000 |
| Total capital | 18,798,000 | 19,289,000 | 19,749,000 | 20,140,000 |
| Risk-weighted assets | 159,852,000 | 155,319,000 | 160,928,000 | 160,966,000 |