Call reports 2006
COMMERCIAL BANK — 2006
What COMMERCIAL BANK 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 | 23,183,000 | 24,175,000 | 24,183,000 | 23,681,000 |
| Total loans | 15,405,000 | 15,485,000 | 15,784,000 | 14,226,000 |
| Allowance for loan losses | 501,000 | 420,000 | 456,000 | 396,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,421,000 | 6,258,000 | 6,333,000 | 6,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,148,000 | 19,014,000 | 18,894,000 | 18,344,000 |
| Interest-bearing deposits | 15,511,000 | 16,624,000 | 16,596,000 | 15,450,000 |
| Noninterest-bearing deposits | 2,637,000 | 2,390,000 | 2,299,000 | 2,893,000 |
| Equity capital | 4,890,000 | 4,997,000 | 5,093,000 | 5,169,000 |
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 | 355,000 | 731,000 | 1,107,000 | 1,489,000 |
| Interest expense | 75,000 | 161,000 | 255,000 | 361,000 |
| Net interest income | 280,000 | 570,000 | 852,000 | 1,128,000 |
| Noninterest income | 23,000 | 43,000 | 62,000 | 82,000 |
| Noninterest expense | 161,000 | 317,000 | 483,000 | 672,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 142,000 | 296,000 | 431,000 | 538,000 |
| Income tax | 41,000 | 88,000 | 127,000 | 158,000 |
| Net income | 101,000 | 208,000 | 304,000 | 380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,890,000 | 4,997,000 | 5,093,000 | 5,169,000 |
| Total capital | 5,110,000 | 5,218,000 | 5,321,000 | 5,374,000 |
| Risk-weighted assets | 17,285,000 | 17,481,000 | 17,664,000 | 16,133,000 |