Call reports 2003
COMMERCIAL BANK — 2003
What COMMERCIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 24,001,000 | 25,500,000 | 24,717,000 | 25,053,000 |
| Total loans | 12,012,000 | 13,038,000 | 13,231,000 | 13,993,000 |
| Allowance for loan losses | 726,000 | 729,000 | 723,000 | 725,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,576,000 | 5,467,000 | 5,373,000 | 7,211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,226,000 | 20,635,000 | 19,735,000 | 20,073,000 |
| Interest-bearing deposits | 17,536,000 | 18,939,000 | 17,965,000 | 17,209,000 |
| Noninterest-bearing deposits | 1,690,000 | 1,696,000 | 1,770,000 | 2,865,000 |
| Equity capital | 4,700,000 | 4,789,000 | 4,898,000 | 4,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 318,000 | 637,000 | 962,000 | 1,280,000 |
| Interest expense | 79,000 | 152,000 | 222,000 | 286,000 |
| Net interest income | 239,000 | 485,000 | 740,000 | 994,000 |
| Noninterest income | 26,000 | 54,000 | 80,000 | 105,000 |
| Noninterest expense | 141,000 | 292,000 | 436,000 | 656,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 124,000 | 247,000 | 384,000 | 443,000 |
| Income tax | 33,000 | 67,000 | 95,000 | 116,000 |
| Net income | 91,000 | 180,000 | 289,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,700,000 | 4,789,000 | 4,898,000 | 4,936,000 |
| Total capital | 4,875,000 | 4,983,000 | 5,093,000 | 5,139,000 |
| Risk-weighted assets | 13,833,000 | 14,960,000 | 15,073,000 | 15,802,000 |