Call reports 2015
FIRST COMMONS BANK, N.A. — 2015
What FIRST COMMONS BANK, N.A. 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 | 271,627,000 | 282,593,000 | 293,087,000 | 315,852,000 |
| Total loans | 225,270,000 | 236,188,000 | 252,098,000 | 259,181,000 |
| Allowance for loan losses | 2,050,000 | 2,135,000 | 2,319,000 | 2,369,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,416,000 | 240,419,000 | 250,674,000 | 272,742,000 |
| Interest-bearing deposits | 210,328,000 | 221,870,000 | 229,343,000 | 255,933,000 |
| Noninterest-bearing deposits | 19,088,000 | 18,549,000 | 21,331,000 | 16,809,000 |
| Equity capital | 30,721,000 | 30,979,000 | 31,189,000 | 31,582,000 |
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 | 2,581,000 | 5,446,000 | 8,430,000 | 11,612,000 |
| Interest expense | 559,000 | 1,163,000 | 1,819,000 | 2,541,000 |
| Net interest income | 2,022,000 | 4,283,000 | 6,611,000 | 9,071,000 |
| Noninterest income | 62,000 | 130,000 | 192,000 | 328,000 |
| Noninterest expense | 1,691,000 | 3,498,000 | 5,357,000 | 7,202,000 |
| Provision for loan losses | 34,000 | 119,000 | 303,000 | 429,000 |
| Pretax income | 359,000 | 796,000 | 1,143,000 | 1,768,000 |
| Income tax | 153,000 | 335,000 | 482,000 | 742,000 |
| Net income | 206,000 | 461,000 | 661,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,638,000 | 30,979,000 | 31,190,000 | 31,582,000 |
| Total capital | 32,688,000 | 33,114,000 | 33,509,000 | 33,951,000 |
| Risk-weighted assets | 180,381,000 | 195,563,000 | 206,247,000 | 211,204,000 |