Call reports 2014
COMMERCIAL BANK, THE — 2014
What COMMERCIAL BANK, THE 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 | 34,845,000 | 36,610,000 | 37,641,000 | 38,722,000 |
| Total loans | 18,714,000 | 19,425,000 | 19,345,000 | 20,128,000 |
| Allowance for loan losses | 146,000 | 146,000 | 148,000 | 147,000 |
| Securities available for sale | 11,383,000 | 11,698,000 | 12,067,000 | 12,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,684,000 | 32,638,000 | 33,312,000 | 34,541,000 |
| Interest-bearing deposits | 20,827,000 | 21,852,000 | 22,391,000 | 22,354,000 |
| Noninterest-bearing deposits | 9,858,000 | 10,787,000 | 10,922,000 | 12,188,000 |
| Equity capital | 3,462,000 | 3,557,000 | 3,686,000 | 3,119,000 |
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 | 317,000 | 639,000 | 975,000 | 1,321,000 |
| Interest expense | 5,000 | 11,000 | 17,000 | 22,000 |
| Net interest income | 312,000 | 628,000 | 958,000 | 1,299,000 |
| Noninterest income | 28,000 | 57,000 | 88,000 | 123,000 |
| Noninterest expense | 236,000 | 470,000 | 705,000 | 990,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 101,000 | 209,000 | 332,000 | 420,000 |
| Income tax | 15,000 | 31,000 | 52,000 | 58,000 |
| Net income | 86,000 | 178,000 | 280,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,328,000 | 3,420,000 | 3,523,000 | 2,927,000 |
| Total capital | 3,474,000 | 3,566,000 | 3,671,000 | 3,074,000 |
| Risk-weighted assets | 21,476,000 | 22,452,000 | 22,267,000 | 23,282,000 |