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 | 832,678,000 | 946,847,000 | 942,620,000 | 970,874,000 |
| Total loans | 626,632,000 | 657,061,000 | 671,139,000 | 677,161,000 |
| Allowance for loan losses | 7,423,000 | 6,783,000 | 6,972,000 | 7,008,000 |
| Securities available for sale | 73,160,000 | 96,580,000 | 84,333,000 | 81,643,000 |
| Securities held to maturity | 26,460,000 | 24,070,000 | 22,754,000 | 22,594,000 |
| Trading assets | 1,847,000 | 1,887,000 | 1,741,000 | 1,123,000 |
| Total deposits | 667,318,000 | 791,938,000 | 785,844,000 | 791,179,000 |
| Interest-bearing deposits | 569,726,000 | 648,131,000 | 641,638,000 | 647,669,000 |
| Noninterest-bearing deposits | 97,592,000 | 143,807,000 | 144,206,000 | 143,510,000 |
| Equity capital | 88,440,000 | 94,320,000 | 94,402,000 | 94,441,000 |
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 | 8,295,000 | 17,049,000 | 25,828,000 | 35,000,000 |
| Interest expense | 1,339,000 | 2,669,000 | 3,991,000 | 5,289,000 |
| Net interest income | 6,956,000 | 14,380,000 | 21,837,000 | 29,711,000 |
| Noninterest income | 811,000 | 1,753,000 | 2,816,000 | 3,770,000 |
| Noninterest expense | 5,127,000 | 10,751,000 | 16,477,000 | 22,084,000 |
| Provision for loan losses | 221,000 | 479,000 | 739,000 | 1,000,000 |
| Pretax income | 2,419,000 | 4,935,000 | 7,479,000 | 10,552,000 |
| Income tax | 731,000 | 1,517,000 | 2,228,000 | 3,265,000 |
| Net income | 1,688,000 | 3,418,000 | 5,251,000 | 7,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,236,000 | 92,011,000 | 92,192,000 | 93,377,000 |
| Total capital | 94,688,000 | 98,864,000 | 99,234,000 | 100,455,000 |
| Risk-weighted assets | 596,091,000 | 630,226,000 | 641,231,000 | 657,973,000 |