Call reports 2004
COMMERCIAL BANK — 2004
What COMMERCIAL BANK 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 | 25,203,000 | 25,023,000 | 23,725,000 | 24,682,000 |
| Total loans | 13,666,000 | 14,869,000 | 14,980,000 | 15,701,000 |
| Allowance for loan losses | 775,000 | 772,000 | 617,000 | 542,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,478,000 | 7,522,000 | 7,270,000 | 7,388,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,472,000 | 20,155,000 | 18,442,000 | 19,383,000 |
| Interest-bearing deposits | 17,731,000 | 18,076,000 | 16,473,000 | 16,656,000 |
| Noninterest-bearing deposits | 2,741,000 | 2,079,000 | 1,969,000 | 2,727,000 |
| Equity capital | 4,683,000 | 4,787,000 | 4,921,000 | 5,015,000 |
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 | 290,000 | 604,000 | 940,000 | 1,263,000 |
| Interest expense | 58,000 | 110,000 | 163,000 | 213,000 |
| Net interest income | 232,000 | 494,000 | 777,000 | 1,050,000 |
| Noninterest income | 32,000 | 56,000 | 91,000 | 127,000 |
| Noninterest expense | 182,000 | 342,000 | 466,000 | 644,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 208,000 | 402,000 | 533,000 |
| Income tax | 35,000 | 57,000 | 117,000 | 154,000 |
| Net income | 47,000 | 151,000 | 285,000 | 379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,683,000 | 4,787,000 | 4,921,000 | 5,015,000 |
| Total capital | 4,883,000 | 4,999,000 | 5,133,000 | 5,236,000 |
| Risk-weighted assets | 15,424,000 | 16,406,000 | 16,547,000 | 17,337,000 |