Call reports 2005
COMMERCIAL BANK — 2005
What COMMERCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 263,550,000 | 263,164,000 | 264,989,000 | 271,213,000 |
| Total loans | 210,138,000 | 215,426,000 | 221,402,000 | 226,671,000 |
| Allowance for loan losses | 2,520,000 | 2,623,000 | 2,621,000 | 2,620,000 |
| Securities available for sale | 23,011,000 | 23,180,000 | 22,717,000 | 22,771,000 |
| Securities held to maturity | 1,911,000 | 756,000 | 756,000 | 756,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,732,000 | 188,471,000 | 195,671,000 | 198,198,000 |
| Interest-bearing deposits | 163,183,000 | 161,811,000 | 168,854,000 | 169,967,000 |
| Noninterest-bearing deposits | 26,549,000 | 26,660,000 | 26,817,000 | 28,231,000 |
| Equity capital | 20,837,000 | 21,103,000 | 21,491,000 | 21,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,643,000 | 7,465,000 | 11,417,000 | 15,484,000 |
| Interest expense | 1,113,000 | 2,402,000 | 3,803,000 | 5,271,000 |
| Net interest income | 2,530,000 | 5,063,000 | 7,614,000 | 10,213,000 |
| Noninterest income | 333,000 | 635,000 | 1,062,000 | 1,443,000 |
| Noninterest expense | 1,833,000 | 3,699,000 | 5,530,000 | 7,335,000 |
| Provision for loan losses | 90,000 | 180,000 | 180,000 | 180,000 |
| Pretax income | 940,000 | 1,819,000 | 2,966,000 | 4,144,000 |
| Income tax | 287,000 | 558,000 | 906,000 | 1,275,000 |
| Net income | 653,000 | 1,261,000 | 2,060,000 | 2,869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,957,000 | 21,142,000 | 21,535,000 | 21,896,000 |
| Total capital | 23,275,000 | 23,484,000 | 23,922,000 | 24,344,000 |
| Risk-weighted assets | 185,223,000 | 187,075,000 | 190,722,000 | 195,689,000 |
Machine access — free, no API key
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