Call reports 2019
COMMERCIAL BANK — 2019
What COMMERCIAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 47,846,000 | 51,880,000 | 55,219,000 | 56,933,000 |
| Total loans | 32,517,000 | 34,808,000 | 35,379,000 | 38,863,000 |
| Allowance for loan losses | 592,000 | 616,000 | 640,000 | 649,000 |
| Securities available for sale | 7,275,000 | 9,098,000 | 8,567,000 | 8,500,000 |
| Securities held to maturity | 6,374,000 | 6,474,000 | 6,865,000 | 6,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,404,000 | 42,928,000 | 46,297,000 | 44,985,000 |
| Interest-bearing deposits | 34,900,000 | 37,089,000 | 40,789,000 | 39,383,000 |
| Noninterest-bearing deposits | 6,504,000 | 5,839,000 | 5,508,000 | 5,602,000 |
| Equity capital | 6,143,000 | 6,460,000 | 6,539,000 | 6,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 627,000 | 1,273,000 | 1,970,000 | 2,668,000 |
| Interest expense | 117,000 | 235,000 | 376,000 | 500,000 |
| Net interest income | 510,000 | 1,038,000 | 1,594,000 | 2,168,000 |
| Noninterest income | 28,000 | 56,000 | 83,000 | 106,000 |
| Noninterest expense | 332,000 | 659,000 | 993,000 | 1,322,000 |
| Provision for loan losses | 23,000 | 47,000 | 71,000 | 95,000 |
| Pretax income | 130,000 | 335,000 | 584,000 | 837,000 |
| Income tax | 16,000 | 47,000 | 88,000 | 133,000 |
| Net income | 114,000 | 288,000 | 496,000 | 704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,275,000 | 6,454,000 | 6,514,000 | 6,719,000 |
| Total capital | 6,787,000 | 7,010,000 | 7,114,000 | 7,338,000 |
| Risk-weighted assets | 40,859,000 | 44,434,000 | 47,974,000 | 49,525,000 |