Call reports 2005
COMMERCIAL BANK, THE — 2005
What COMMERCIAL BANK, THE 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 | 103,863,000 | 106,934,000 | 107,228,000 | 106,344,000 |
| Total loans | 75,176,000 | 76,711,000 | 79,678,000 | 80,230,000 |
| Allowance for loan losses | 1,141,000 | 1,169,000 | 1,162,000 | 1,257,000 |
| Securities available for sale | 18,171,000 | 18,276,000 | 17,974,000 | 17,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,547,000 | 78,078,000 | 78,339,000 | 79,126,000 |
| Interest-bearing deposits | 70,388,000 | 68,550,000 | 67,093,000 | 67,067,000 |
| Noninterest-bearing deposits | 10,159,000 | 9,528,000 | 11,246,000 | 12,059,000 |
| Equity capital | 9,111,000 | 9,382,000 | 9,559,000 | 8,764,000 |
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 | 1,411,000 | 2,909,000 | 4,523,000 | 6,226,000 |
| Interest expense | 390,000 | 807,000 | 1,316,000 | 1,864,000 |
| Net interest income | 1,021,000 | 2,102,000 | 3,207,000 | 4,362,000 |
| Noninterest income | 183,000 | 400,000 | 506,000 | 723,000 |
| Noninterest expense | 811,000 | 1,687,000 | 2,543,000 | 3,301,000 |
| Provision for loan losses | 38,000 | 75,000 | 112,000 | 270,000 |
| Pretax income | 355,000 | 740,000 | 1,058,000 | 1,514,000 |
| Income tax | 109,000 | 225,000 | 355,000 | 484,000 |
| Net income | 246,000 | 515,000 | 703,000 | 1,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,153,000 | 9,400,000 | 9,607,000 | 8,852,000 |
| Total capital | 10,121,000 | 10,398,000 | 10,628,000 | 9,871,000 |
| Risk-weighted assets | 77,334,000 | 79,653,000 | 81,548,000 | 81,194,000 |