Call reports 2014
COMMERCIAL BANK — 2014
What COMMERCIAL BANK 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 | 240,651,000 | 322,611,000 | 319,446,000 | 323,368,000 |
| Total loans | 96,908,000 | 102,847,000 | 100,694,000 | 103,582,000 |
| Allowance for loan losses | 2,098,000 | 2,105,000 | 2,088,000 | 2,080,000 |
| Securities available for sale | 121,637,000 | 141,673,000 | 186,731,000 | 192,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,367,000 | 290,543,000 | 288,507,000 | 292,654,000 |
| Interest-bearing deposits | 181,151,000 | 251,446,000 | 244,108,000 | 249,994,000 |
| Noninterest-bearing deposits | 31,216,000 | 39,097,000 | 44,399,000 | 42,660,000 |
| Equity capital | 27,594,000 | 29,671,000 | 30,169,000 | 29,817,000 |
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 | 2,038,000 | 4,103,000 | 6,239,000 | 8,617,000 |
| Interest expense | 189,000 | 396,000 | 668,000 | 935,000 |
| Net interest income | 1,849,000 | 3,707,000 | 5,571,000 | 7,682,000 |
| Noninterest income | 505,000 | 1,156,000 | 1,905,000 | 2,648,000 |
| Noninterest expense | 1,792,000 | 3,564,000 | 5,671,000 | 7,798,000 |
| Provision for loan losses | 0 | 6,000 | 32,000 | 35,000 |
| Pretax income | 705,000 | 1,504,000 | 1,984,000 | 2,639,000 |
| Income tax | 25,000 | 57,000 | 78,000 | 90,000 |
| Net income | 680,000 | 1,447,000 | 1,906,000 | 2,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,292,000 | 28,088,000 | 28,575,000 | 27,537,000 |
| Total capital | 29,829,000 | 29,801,000 | 30,259,000 | 29,274,000 |
| Risk-weighted assets | 122,368,000 | 136,609,000 | 134,288,000 | 138,610,000 |