Call reports 2004
COMMERCIAL BANK, THE — 2004
What COMMERCIAL BANK, THE 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 | 111,294,000 | 108,616,000 | 108,581,000 | 103,577,000 |
| Total loans | 89,837,000 | 82,977,000 | 81,488,000 | 77,355,000 |
| Allowance for loan losses | 1,718,000 | 1,693,000 | 1,315,000 | 1,391,000 |
| Securities available for sale | 13,723,000 | 18,198,000 | 17,858,000 | 16,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,751,000 | 80,017,000 | 79,162,000 | 78,310,000 |
| Interest-bearing deposits | 71,635,000 | 71,480,000 | 69,544,000 | 68,818,000 |
| Noninterest-bearing deposits | 9,116,000 | 8,537,000 | 9,618,000 | 9,492,000 |
| Equity capital | 8,937,000 | 9,044,000 | 9,395,000 | 8,900,000 |
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 | 1,481,000 | 2,920,000 | 4,337,000 | 5,766,000 |
| Interest expense | 412,000 | 814,000 | 1,211,000 | 1,611,000 |
| Net interest income | 1,069,000 | 2,106,000 | 3,126,000 | 4,155,000 |
| Noninterest income | 192,000 | 410,000 | 616,000 | 744,000 |
| Noninterest expense | 843,000 | 1,696,000 | 2,531,000 | 3,311,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 418,000 | 820,000 | 1,211,000 | 1,513,000 |
| Income tax | 132,000 | 255,000 | 376,000 | 461,000 |
| Net income | 286,000 | 565,000 | 835,000 | 1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,792,000 | 9,044,000 | 9,304,000 | 8,868,000 |
| Total capital | 9,885,000 | 10,068,000 | 10,329,000 | 9,853,000 |
| Risk-weighted assets | 86,796,000 | 80,975,000 | 82,016,000 | 78,550,000 |