Call reports 2019
COMMERCIAL BANK, THE — 2019
What COMMERCIAL BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 53,804,000 | 51,844,000 | 54,956,000 | 54,039,000 |
| Total loans | 25,602,000 | 25,492,000 | 28,365,000 | 28,899,000 |
| Allowance for loan losses | 368,000 | 374,000 | 388,000 | 547,000 |
| Securities available for sale | 18,941,000 | 19,123,000 | 16,868,000 | 18,803,000 |
| Securities held to maturity | 71,000 | 71,000 | 71,000 | 71,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,154,000 | 46,531,000 | 46,346,000 | 46,995,000 |
| Interest-bearing deposits | 36,059,000 | 35,395,000 | 33,547,000 | 35,009,000 |
| Noninterest-bearing deposits | 10,095,000 | 11,137,000 | 12,799,000 | 11,986,000 |
| Equity capital | 4,573,000 | 4,968,000 | 5,221,000 | 5,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 549,000 | 1,100,000 | 1,666,000 | 2,223,000 |
| Interest expense | 82,000 | 169,000 | 246,000 | 332,000 |
| Net interest income | 467,000 | 931,000 | 1,420,000 | 1,891,000 |
| Noninterest income | 39,000 | 74,000 | 109,000 | 148,000 |
| Noninterest expense | 295,000 | 581,000 | 858,000 | 1,157,000 |
| Provision for loan losses | 11,000 | 21,000 | 35,000 | 196,000 |
| Pretax income | 198,000 | 401,000 | 640,000 | 707,000 |
| Income tax | 24,000 | 59,000 | 93,000 | 121,000 |
| Net income | 174,000 | 342,000 | 547,000 | 586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,548,000 | 4,739,000 | 4,888,000 | 4,872,000 |
| Total capital | 4,903,000 | 5,091,000 | 5,258,000 | 5,254,000 |
| Risk-weighted assets | 28,369,000 | 28,100,000 | 29,572,000 | 30,387,000 |