Call report 2015Q4
COMMENCEMENT BANK — 2015Q4
The 22 measures COMMENCEMENT BANK reported to the FFIEC for 2015Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 179,081,000 | USD | evidence → |
| Total loans | 145,086,000 | USD | evidence → |
| Allowance for loan losses | 1,962,000 | USD | evidence → |
| Securities available for sale | 3,387,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 152,629,000 | USD | evidence → |
| Interest-bearing deposits | 124,328,000 | USD | evidence → |
| Noninterest-bearing deposits | 28,301,000 | USD | evidence → |
| Equity capital | 22,539,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 7,131,000 | USD | evidence → |
| Interest expense | 759,000 | USD | evidence → |
| Net interest income | 6,372,000 | USD | evidence → |
| Noninterest income | 492,000 | USD | evidence → |
| Noninterest expense | 5,333,000 | USD | evidence → |
| Provision for loan losses | -121,000 | USD | evidence → |
| Pretax income | 1,653,000 | USD | evidence → |
| Income tax | 511,000 | USD | evidence → |
| Net income | 1,142,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 22,118,000 | USD | evidence → |
| Total capital | 24,024,000 | USD | evidence → |
| Risk-weighted assets | 152,123,000 | USD | evidence → |