Call reports 2015
COMMERCIAL BANK — 2015
What COMMERCIAL BANK 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 | 323,756,000 | 335,780,000 | 310,618,000 | 322,682,000 |
| Total loans | 104,380,000 | 110,346,000 | 107,280,000 | 110,919,000 |
| Allowance for loan losses | 2,087,000 | 2,095,000 | 2,109,000 | 2,128,000 |
| Securities available for sale | 201,926,000 | 194,733,000 | 186,706,000 | 184,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,212,000 | 304,133,000 | 280,369,000 | 291,796,000 |
| Interest-bearing deposits | 244,511,000 | 256,080,000 | 242,997,000 | 254,946,000 |
| Noninterest-bearing deposits | 40,701,000 | 48,053,000 | 37,372,000 | 36,850,000 |
| Equity capital | 32,539,000 | 30,586,000 | 29,248,000 | 30,067,000 |
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 | 2,451,000 | 4,900,000 | 7,315,000 | 9,762,000 |
| Interest expense | 251,000 | 502,000 | 749,000 | 1,003,000 |
| Net interest income | 2,200,000 | 4,398,000 | 6,566,000 | 8,759,000 |
| Noninterest income | 705,000 | 1,439,000 | 2,168,000 | 3,208,000 |
| Noninterest expense | 1,897,000 | 3,800,000 | 5,737,000 | 7,793,000 |
| Provision for loan losses | 6,000 | 19,000 | 28,000 | 37,000 |
| Pretax income | 1,002,000 | 2,018,000 | 3,125,000 | 4,390,000 |
| Income tax | 44,000 | 88,000 | 130,000 | 87,000 |
| Net income | 958,000 | 1,930,000 | 2,995,000 | 4,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,817,000 | 29,247,000 | 25,992,000 | 27,227,000 |
| Total capital | 30,614,000 | 31,116,000 | 27,841,000 | 29,150,000 |
| Risk-weighted assets | 143,322,000 | 149,268,000 | 147,697,000 | 153,668,000 |