Call reports 2003
COMMERCIAL BANK — 2003
What COMMERCIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 242,224,000 | 233,355,000 | 232,437,000 | 237,285,000 |
| Total loans | 175,977,000 | 180,238,000 | 185,654,000 | 191,877,000 |
| Allowance for loan losses | 2,880,000 | 2,242,000 | 2,681,000 | 1,940,000 |
| Securities available for sale | 24,714,000 | 25,232,000 | 24,158,000 | 23,029,000 |
| Securities held to maturity | 4,687,000 | 3,405,000 | 3,153,000 | 3,048,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,802,000 | 170,181,000 | 168,323,000 | 172,112,000 |
| Interest-bearing deposits | 153,478,000 | 148,189,000 | 145,956,000 | 148,140,000 |
| Noninterest-bearing deposits | 21,324,000 | 21,992,000 | 22,367,000 | 23,972,000 |
| Equity capital | 19,005,000 | 18,755,000 | 19,377,000 | 19,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,448,000 | 6,913,000 | 10,494,000 | 13,855,000 |
| Interest expense | 1,154,000 | 2,226,000 | 3,201,000 | 4,144,000 |
| Net interest income | 2,294,000 | 4,687,000 | 7,293,000 | 9,711,000 |
| Noninterest income | 515,000 | 917,000 | 1,660,000 | 1,924,000 |
| Noninterest expense | 1,617,000 | 3,316,000 | 5,084,000 | 6,760,000 |
| Provision for loan losses | 120,000 | 1,350,000 | 1,781,000 | 1,901,000 |
| Pretax income | 1,072,000 | 938,000 | 2,088,000 | 2,974,000 |
| Income tax | 315,000 | 199,000 | 552,000 | 803,000 |
| Net income | 757,000 | 739,000 | 1,536,000 | 2,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,545,000 | 18,216,000 | 19,011,000 | 19,683,000 |
| Total capital | 20,739,000 | 20,376,000 | 21,198,000 | 21,623,000 |
| Risk-weighted assets | 174,868,000 | 172,714,000 | 174,444,000 | 177,828,000 |
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