Call reports 2006
COMMERCIAL BANK, THE — 2006
What COMMERCIAL BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 109,100,000 | 112,641,000 | 116,403,000 | 115,524,000 |
| Total loans | 82,470,000 | 83,070,000 | 85,409,000 | 84,336,000 |
| Allowance for loan losses | 1,311,000 | 1,303,000 | 1,280,000 | 1,212,000 |
| Securities available for sale | 17,896,000 | 18,722,000 | 18,707,000 | 20,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,446,000 | 84,991,000 | 84,354,000 | 87,655,000 |
| Interest-bearing deposits | 68,828,000 | 71,840,000 | 71,419,000 | 75,215,000 |
| Noninterest-bearing deposits | 11,618,000 | 13,151,000 | 12,935,000 | 12,440,000 |
| Equity capital | 9,219,000 | 9,500,000 | 10,091,000 | 9,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,723,000 | 3,621,000 | 5,627,000 | 7,727,000 |
| Interest expense | 585,000 | 1,262,000 | 2,009,000 | 2,836,000 |
| Net interest income | 1,138,000 | 2,359,000 | 3,618,000 | 4,891,000 |
| Noninterest income | 194,000 | 508,000 | 705,000 | 819,000 |
| Noninterest expense | 904,000 | 1,884,000 | 2,860,000 | 3,882,000 |
| Provision for loan losses | 60,000 | 195,000 | 255,000 | 415,000 |
| Pretax income | 368,000 | 788,000 | 1,208,000 | 1,413,000 |
| Income tax | 2,000 | 2,000 | 2,000 | -42,000 |
| Net income | 366,000 | 786,000 | 1,206,000 | 1,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,322,000 | 9,729,000 | 10,149,000 | 9,185,000 |
| Total capital | 10,369,000 | 10,795,000 | 11,268,000 | 10,292,000 |
| Risk-weighted assets | 83,507,000 | 84,456,000 | 89,380,000 | 88,487,000 |