Call reports 2020
COMMERCIAL BANK — 2020
What COMMERCIAL BANK 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 | 334,729,000 | 379,378,000 | 386,331,000 | 396,315,000 |
| Total loans | 145,157,000 | 171,561,000 | 177,729,000 | 170,518,000 |
| Allowance for loan losses | 2,782,000 | 2,836,000 | 2,856,000 | 2,816,000 |
| Securities available for sale | 161,019,000 | 166,375,000 | 166,900,000 | 178,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,702,000 | 341,185,000 | 348,489,000 | 357,437,000 |
| Interest-bearing deposits | 257,839,000 | 286,723,000 | 292,715,000 | 302,189,000 |
| Noninterest-bearing deposits | 42,863,000 | 54,462,000 | 55,774,000 | 55,248,000 |
| Equity capital | 33,001,000 | 37,005,000 | 36,755,000 | 38,095,000 |
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 | 3,011,000 | 6,036,000 | 9,087,000 | 12,387,000 |
| Interest expense | 463,000 | 900,000 | 1,264,000 | 1,607,000 |
| Net interest income | 2,548,000 | 5,136,000 | 7,823,000 | 10,780,000 |
| Noninterest income | 804,000 | 1,459,000 | 2,217,000 | 2,873,000 |
| Noninterest expense | 2,173,000 | 4,326,000 | 6,593,000 | 8,935,000 |
| Provision for loan losses | 60,000 | 121,000 | 158,000 | 184,000 |
| Pretax income | 1,077,000 | 2,271,000 | 3,457,000 | 4,738,000 |
| Income tax | 49,000 | 101,000 | 153,000 | 81,000 |
| Net income | 1,028,000 | 2,170,000 | 3,304,000 | 4,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,822,000 | 30,576,000 | 30,172,000 | 31,522,000 |
| Total capital | — | 33,033,000 | 32,700,000 | 34,134,000 |
| Risk-weighted assets | — | 196,190,000 | 201,915,000 | 208,831,000 |