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 | 818,289,000 | 811,005,000 | 804,575,000 | 839,176,000 |
| Total loans | 597,607,000 | 596,917,000 | 601,640,000 | 621,234,000 |
| Allowance for loan losses | 7,973,000 | 7,704,000 | 7,742,000 | 7,419,000 |
| Securities available for sale | 65,775,000 | 77,619,000 | 74,430,000 | 73,707,000 |
| Securities held to maturity | 29,058,000 | 28,277,000 | 27,460,000 | 26,690,000 |
| Trading assets | 1,963,000 | 1,653,000 | 1,888,000 | 1,561,000 |
| Total deposits | 659,930,000 | 668,143,000 | 661,163,000 | 695,373,000 |
| Interest-bearing deposits | 560,199,000 | 567,658,000 | 562,567,000 | 594,598,000 |
| Noninterest-bearing deposits | 99,731,000 | 100,485,000 | 98,596,000 | 100,775,000 |
| Equity capital | 85,402,000 | 85,881,000 | 86,011,000 | 87,313,000 |
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 | 7,802,000 | 16,027,000 | 23,977,000 | 32,076,000 |
| Interest expense | 1,366,000 | 2,718,000 | 4,057,000 | 5,392,000 |
| Net interest income | 6,436,000 | 13,309,000 | 19,920,000 | 26,684,000 |
| Noninterest income | 873,000 | 2,498,000 | 3,073,000 | 3,988,000 |
| Noninterest expense | 4,944,000 | 9,925,000 | 15,047,000 | 20,201,000 |
| Provision for loan losses | 124,000 | 248,000 | 360,000 | 360,000 |
| Pretax income | 2,241,000 | 5,634,000 | 7,585,000 | 10,109,000 |
| Income tax | 619,000 | 1,486,000 | 2,001,000 | 2,753,000 |
| Net income | 1,622,000 | 4,148,000 | 5,584,000 | 7,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,218,000 | 85,276,000 | 85,145,000 | 86,545,000 |
| Total capital | 91,683,000 | 92,597,000 | 92,561,000 | 93,950,000 |
| Risk-weighted assets | 596,661,000 | 585,196,000 | 592,860,000 | 592,292,000 |