Call reports 2014
COMMERCIAL BANK — 2014
What COMMERCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 773,270,000 | 771,092,000 | 802,661,000 | 808,050,000 |
| Total loans | 550,788,000 | 572,045,000 | 587,048,000 | 602,900,000 |
| Allowance for loan losses | 8,318,000 | 8,098,000 | 7,865,000 | 7,856,000 |
| Securities available for sale | 85,031,000 | 82,990,000 | 81,874,000 | 69,142,000 |
| Securities held to maturity | 31,034,000 | 29,991,000 | 29,486,000 | 29,314,000 |
| Trading assets | 1,880,000 | 2,037,000 | 1,780,000 | 1,955,000 |
| Total deposits | 630,231,000 | 620,899,000 | 643,698,000 | 654,480,000 |
| Interest-bearing deposits | 543,584,000 | 525,563,000 | 552,196,000 | 563,338,000 |
| Noninterest-bearing deposits | 86,647,000 | 95,336,000 | 91,502,000 | 91,142,000 |
| Equity capital | 79,381,000 | 81,342,000 | 83,144,000 | 84,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,489,000 | 15,226,000 | 23,629,000 | 31,850,000 |
| Interest expense | 1,295,000 | 2,627,000 | 4,039,000 | 5,465,000 |
| Net interest income | 6,194,000 | 12,599,000 | 19,590,000 | 26,385,000 |
| Noninterest income | 1,150,000 | 2,002,000 | 2,284,000 | 3,180,000 |
| Noninterest expense | 4,823,000 | 9,762,000 | 14,901,000 | 19,967,000 |
| Provision for loan losses | 120,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 2,401,000 | 4,719,000 | 6,853,000 | 9,474,000 |
| Income tax | 651,000 | 1,277,000 | 1,861,000 | 2,626,000 |
| Net income | 1,750,000 | 3,442,000 | 4,992,000 | 6,848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,049,000 | 79,821,000 | 81,452,000 | 82,289,000 |
| Total capital | 84,798,000 | 86,750,000 | 88,491,000 | 89,523,000 |
| Risk-weighted assets | 538,271,000 | 553,101,000 | 563,267,000 | 579,185,000 |