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 | 84,799,000 | 80,958,000 | 82,657,000 | 84,009,000 |
| Total loans | 37,697,000 | 37,898,000 | 36,925,000 | 38,465,000 |
| Allowance for loan losses | 457,000 | 457,000 | 452,000 | 452,000 |
| Securities available for sale | 5,405,000 | 5,449,000 | 6,160,000 | 6,134,000 |
| Securities held to maturity | 26,943,000 | 25,938,000 | 24,933,000 | 24,129,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,372,000 | 71,383,000 | 72,804,000 | 74,367,000 |
| Interest-bearing deposits | 64,153,000 | 60,951,000 | 61,486,000 | 63,057,000 |
| Noninterest-bearing deposits | 11,219,000 | 10,432,000 | 11,318,000 | 11,310,000 |
| Equity capital | 9,233,000 | 9,339,000 | 9,418,000 | 9,416,000 |
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 | 832,000 | 1,659,000 | 2,522,000 | 3,411,000 |
| Interest expense | 197,000 | 409,000 | 651,000 | 923,000 |
| Net interest income | 635,000 | 1,250,000 | 1,871,000 | 2,488,000 |
| Noninterest income | 86,000 | 208,000 | 321,000 | 428,000 |
| Noninterest expense | 560,000 | 1,166,000 | 1,731,000 | 2,306,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 161,000 | 292,000 | 461,000 | 610,000 |
| Income tax | 63,000 | 114,000 | 181,000 | 239,000 |
| Net income | 98,000 | 178,000 | 280,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,291,000 | 9,371,000 | 9,473,000 | 9,486,000 |
| Total capital | 9,748,000 | 9,828,000 | 9,925,000 | 9,938,000 |
| Risk-weighted assets | 37,733,000 | 36,707,000 | 36,554,000 | 37,372,000 |
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