Call reports 2020
COMMERCIAL BANK, THE — 2020
What COMMERCIAL BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 57,124,000 | 63,078,000 | 66,752,000 | 67,037,000 |
| Total loans | 28,976,000 | 28,860,000 | 31,608,000 | 32,331,000 |
| Allowance for loan losses | 601,000 | 633,000 | 543,000 | 538,000 |
| Securities available for sale | 21,955,000 | 25,265,000 | 26,677,000 | 28,046,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,046,000 | 51,833,000 | 54,592,000 | 55,248,000 |
| Interest-bearing deposits | 36,118,000 | 37,604,000 | 40,549,000 | 40,553,000 |
| Noninterest-bearing deposits | 11,928,000 | 14,229,000 | 14,043,000 | 14,695,000 |
| Equity capital | 4,538,000 | 6,063,000 | 6,316,000 | 6,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 556,000 | 1,170,000 | 1,744,000 | 2,342,000 |
| Interest expense | 78,000 | 142,000 | 202,000 | 255,000 |
| Net interest income | 478,000 | 1,028,000 | 1,542,000 | 2,087,000 |
| Noninterest income | 40,000 | 71,000 | 103,000 | 139,000 |
| Noninterest expense | 305,000 | 607,000 | 925,000 | 1,319,000 |
| Provision for loan losses | 55,000 | 85,000 | 115,000 | 115,000 |
| Pretax income | 226,000 | 528,000 | 792,000 | 1,022,000 |
| Income tax | -2,000 | 31,000 | 63,000 | 83,000 |
| Net income | 228,000 | 497,000 | 729,000 | 939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,057,000 | 5,286,000 | 5,465,000 | 5,641,000 |
| Total capital | 5,458,000 | 5,695,000 | 5,891,000 | 6,075,000 |
| Risk-weighted assets | 31,920,000 | 32,468,000 | 33,927,000 | 34,610,000 |