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 | 40,871,000 | 38,550,000 | 39,205,000 | 40,922,000 |
| Total loans | 19,756,000 | 21,596,000 | 21,674,000 | 23,755,000 |
| Allowance for loan losses | 440,000 | 441,000 | 442,000 | 442,000 |
| Securities available for sale | 8,159,000 | 7,946,000 | 8,673,000 | 8,707,000 |
| Securities held to maturity | 7,663,000 | 7,399,000 | 7,138,000 | 6,832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,222,000 | 32,626,000 | 33,088,000 | 30,376,000 |
| Interest-bearing deposits | 28,916,000 | 26,483,000 | 27,197,000 | 24,578,000 |
| Noninterest-bearing deposits | 6,306,000 | 6,143,000 | 5,891,000 | 5,798,000 |
| Equity capital | 5,322,000 | 5,367,000 | 5,495,000 | 5,259,000 |
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 | 385,000 | 781,000 | 1,188,000 | 1,586,000 |
| Interest expense | 16,000 | 32,000 | 49,000 | 68,000 |
| Net interest income | 369,000 | 749,000 | 1,139,000 | 1,518,000 |
| Noninterest income | 13,000 | 25,000 | 40,000 | 56,000 |
| Noninterest expense | 264,000 | 534,000 | 807,000 | 1,076,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 132,000 | 260,000 | 392,000 | 522,000 |
| Income tax | 35,000 | 69,000 | 100,000 | 133,000 |
| Net income | 97,000 | 191,000 | 292,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,288,000 | 5,333,000 | 5,469,000 | 5,243,000 |
| Total capital | 5,714,000 | 5,735,000 | 5,887,000 | 5,685,000 |
| Risk-weighted assets | 34,138,000 | 32,120,000 | 33,448,000 | 35,595,000 |