Call reports 2016
COMMERCIAL BANK, THE — 2016
What COMMERCIAL BANK, THE 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 | 41,065,000 | 40,627,000 | 41,001,000 | 39,408,000 |
| Total loans | 21,666,000 | 20,371,000 | 21,101,000 | 20,616,000 |
| Allowance for loan losses | 265,000 | 264,000 | 267,000 | 267,000 |
| Securities available for sale | 12,211,000 | 14,885,000 | 14,545,000 | 14,371,000 |
| Securities held to maturity | 381,000 | 381,000 | 381,000 | 381,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,956,000 | 36,400,000 | 36,706,000 | 35,401,000 |
| Interest-bearing deposits | 24,148,000 | 23,239,000 | 22,761,000 | 24,448,000 |
| Noninterest-bearing deposits | 11,808,000 | 13,161,000 | 13,945,000 | 10,954,000 |
| Equity capital | 3,535,000 | 3,649,000 | 3,721,000 | 3,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 368,000 | 734,000 | 1,106,000 | 1,467,000 |
| Interest expense | 10,000 | 21,000 | 32,000 | 44,000 |
| Net interest income | 358,000 | 713,000 | 1,074,000 | 1,423,000 |
| Noninterest income | 27,000 | 56,000 | 87,000 | 121,000 |
| Noninterest expense | 235,000 | 477,000 | 722,000 | 956,000 |
| Provision for loan losses | 12,000 | 12,000 | 14,000 | 14,000 |
| Pretax income | 138,000 | 282,000 | 427,000 | 577,000 |
| Income tax | 32,000 | 66,000 | 100,000 | 136,000 |
| Net income | 106,000 | 216,000 | 327,000 | 441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,344,000 | 3,419,000 | 3,496,000 | 3,582,000 |
| Total capital | 3,609,000 | 3,683,000 | 3,763,000 | 3,849,000 |
| Risk-weighted assets | 25,279,000 | 25,038,000 | 25,182,000 | 25,018,000 |