Call reports 2016
COMMERCIAL BANK — 2016
What COMMERCIAL BANK 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 | 320,589,000 | 331,671,000 | 332,185,000 | 333,020,000 |
| Total loans | 117,388,000 | 119,647,000 | 118,626,000 | 125,124,000 |
| Allowance for loan losses | 2,136,000 | 2,131,000 | 2,145,000 | 2,155,000 |
| Securities available for sale | 187,251,000 | 188,287,000 | 194,235,000 | 187,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,590,000 | 297,128,000 | 297,604,000 | 305,281,000 |
| Interest-bearing deposits | 250,557,000 | 258,468,000 | 260,836,000 | 268,488,000 |
| Noninterest-bearing deposits | 38,033,000 | 38,660,000 | 36,768,000 | 36,793,000 |
| Equity capital | 31,164,000 | 33,539,000 | 33,675,000 | 26,563,000 |
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 | 2,531,000 | 5,080,000 | 7,669,000 | 10,271,000 |
| Interest expense | 243,000 | 497,000 | 754,000 | 1,021,000 |
| Net interest income | 2,288,000 | 4,583,000 | 6,915,000 | 9,250,000 |
| Noninterest income | 647,000 | 1,359,000 | 2,086,000 | 3,064,000 |
| Noninterest expense | 1,929,000 | 3,933,000 | 6,082,000 | 8,134,000 |
| Provision for loan losses | 11,000 | 23,000 | 37,000 | 54,000 |
| Pretax income | 995,000 | 2,002,000 | 2,898,000 | 4,142,000 |
| Income tax | 44,000 | 87,000 | 126,000 | 177,000 |
| Net income | 951,000 | 1,915,000 | 2,772,000 | 3,965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,264,000 | 26,527,000 | 27,401,000 | 27,083,000 |
| Total capital | 28,227,000 | 28,614,000 | 29,509,000 | 29,211,000 |
| Risk-weighted assets | 156,841,000 | 165,873,000 | 167,757,000 | 170,210,000 |