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 | 42,520,000 | 44,188,000 | 46,077,000 | 44,714,000 |
| Total loans | 22,371,000 | 25,366,000 | 27,489,000 | 25,181,000 |
| Allowance for loan losses | 445,000 | 455,000 | 464,000 | 473,000 |
| Securities available for sale | 10,050,000 | 10,373,000 | 10,334,000 | 9,893,000 |
| Securities held to maturity | 6,855,000 | 6,905,000 | 6,824,000 | 6,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,812,000 | 37,341,000 | 36,078,000 | 36,980,000 |
| Interest-bearing deposits | 31,276,000 | 31,512,000 | 30,910,000 | 31,223,000 |
| Noninterest-bearing deposits | 5,536,000 | 5,829,000 | 5,168,000 | 5,757,000 |
| Equity capital | 5,390,000 | 5,447,000 | 5,620,000 | 5,374,000 |
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 | 438,000 | 897,000 | 1,394,000 | 1,905,000 |
| Interest expense | 24,000 | 52,000 | 84,000 | 119,000 |
| Net interest income | 414,000 | 845,000 | 1,310,000 | 1,786,000 |
| Noninterest income | 17,000 | 36,000 | 56,000 | 75,000 |
| Noninterest expense | 276,000 | 552,000 | 837,000 | 1,108,000 |
| Provision for loan losses | 3,000 | 12,000 | 21,000 | 30,000 |
| Pretax income | 178,000 | 343,000 | 583,000 | 798,000 |
| Income tax | 49,000 | 94,000 | 163,000 | 226,000 |
| Net income | 129,000 | 249,000 | 420,000 | 572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,378,000 | 5,464,000 | 5,525,000 | 5,498,000 |
| Total capital | 5,783,000 | 5,908,000 | 5,989,000 | 5,946,000 |
| Risk-weighted assets | 32,367,000 | 35,493,000 | 37,642,000 | 35,840,000 |