Call reports 2004
COMMERCIAL BANK — 2004
What COMMERCIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 237,850,000 | 239,844,000 | 240,402,000 | 252,226,000 |
| Total loans | 191,174,000 | 197,122,000 | 201,483,000 | 209,024,000 |
| Allowance for loan losses | 2,016,000 | 2,117,000 | 2,407,000 | 2,407,000 |
| Securities available for sale | 22,504,000 | 21,202,000 | 21,007,000 | 23,239,000 |
| Securities held to maturity | 2,846,000 | 2,230,000 | 2,039,000 | 2,037,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,808,000 | 167,107,000 | 167,462,000 | 174,204,000 |
| Interest-bearing deposits | 152,998,000 | 144,726,000 | 143,425,000 | 147,733,000 |
| Noninterest-bearing deposits | 20,810,000 | 22,381,000 | 24,037,000 | 26,471,000 |
| Equity capital | 20,176,000 | 20,246,000 | 20,649,000 | 20,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,292,000 | 6,629,000 | 10,177,000 | 13,717,000 |
| Interest expense | 941,000 | 1,859,000 | 2,803,000 | 3,813,000 |
| Net interest income | 2,351,000 | 4,770,000 | 7,374,000 | 9,904,000 |
| Noninterest income | 248,000 | 636,000 | 962,000 | 1,277,000 |
| Noninterest expense | 1,736,000 | 3,512,000 | 5,288,000 | 7,225,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 773,000 | 1,714,000 | 2,778,000 | 3,596,000 |
| Income tax | 222,000 | 507,000 | 828,000 | 1,070,000 |
| Net income | 551,000 | 1,207,000 | 1,950,000 | 2,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,872,000 | 20,187,000 | 20,502,000 | 20,636,000 |
| Total capital | 21,888,000 | 22,304,000 | 22,719,000 | 22,931,000 |
| Risk-weighted assets | 174,360,000 | 177,261,000 | 177,169,000 | 183,458,000 |
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