Call reports 2005
COMMERCIAL BANK — 2005
What COMMERCIAL BANK 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 | 24,295,000 | 25,052,000 | 24,350,000 | 23,657,000 |
| Total loans | 14,020,000 | 14,501,000 | 15,839,000 | 15,556,000 |
| Allowance for loan losses | 543,000 | 535,000 | 563,000 | 492,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,189,000 | 7,030,000 | 6,495,000 | 6,449,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,346,000 | 19,995,000 | 19,208,000 | 18,470,000 |
| Interest-bearing deposits | 16,848,000 | 17,865,000 | 16,758,000 | 16,167,000 |
| Noninterest-bearing deposits | 2,498,000 | 2,130,000 | 2,450,000 | 2,303,000 |
| Equity capital | 4,827,000 | 4,940,000 | 5,009,000 | 5,089,000 |
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 | 326,000 | 676,000 | 1,027,000 | 1,386,000 |
| Interest expense | 49,000 | 103,000 | 170,000 | 241,000 |
| Net interest income | 277,000 | 573,000 | 857,000 | 1,145,000 |
| Noninterest income | 30,000 | 47,000 | 65,000 | 82,000 |
| Noninterest expense | 150,000 | 307,000 | 511,000 | 702,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 157,000 | 313,000 | 411,000 | 525,000 |
| Income tax | 45,000 | 88,000 | 117,000 | 151,000 |
| Net income | 112,000 | 225,000 | 294,000 | 374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,827,000 | 4,940,000 | 5,009,000 | 5,089,000 |
| Total capital | 5,038,000 | 5,158,000 | 5,237,000 | 5,312,000 |
| Risk-weighted assets | 16,552,000 | 17,075,000 | 17,912,000 | 17,557,000 |