Call reports 2015
COMMERCIAL BANK, THE — 2015
What COMMERCIAL BANK, THE 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 | 40,037,000 | 38,423,000 | 38,683,000 | 39,852,000 |
| Total loans | 20,837,000 | 22,069,000 | 22,502,000 | 22,182,000 |
| Allowance for loan losses | 158,000 | 167,000 | 183,000 | 253,000 |
| Securities available for sale | 13,394,000 | 12,583,000 | 11,830,000 | 11,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,449,000 | 33,520,000 | 34,378,000 | 35,053,000 |
| Interest-bearing deposits | 23,152,000 | 21,541,000 | 22,771,000 | 21,823,000 |
| Noninterest-bearing deposits | 13,297,000 | 11,979,000 | 11,607,000 | 13,231,000 |
| Equity capital | 3,203,000 | 3,253,000 | 3,395,000 | 3,415,000 |
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 | 343,000 | 708,000 | 1,072,000 | 1,442,000 |
| Interest expense | 5,000 | 13,000 | 20,000 | 29,000 |
| Net interest income | 338,000 | 695,000 | 1,052,000 | 1,413,000 |
| Noninterest income | 32,000 | 65,000 | 96,000 | 111,000 |
| Noninterest expense | 238,000 | 474,000 | 707,000 | 933,000 |
| Provision for loan losses | 8,000 | 18,000 | 35,000 | 103,000 |
| Pretax income | 124,000 | 267,000 | 408,000 | 490,000 |
| Income tax | 19,000 | 44,000 | 70,000 | 99,000 |
| Net income | 105,000 | 223,000 | 338,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,032,000 | 3,140,000 | 3,235,000 | 3,248,000 |
| Total capital | 3,190,000 | 3,307,000 | 3,418,000 | 3,501,000 |
| Risk-weighted assets | 23,803,000 | 24,538,000 | 22,740,000 | 25,383,000 |