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 | 368,403,000 | 367,801,000 | 387,871,000 | 392,145,000 |
| Total loans | 255,162,000 | 256,331,000 | 262,417,000 | 267,780,000 |
| Allowance for loan losses | 3,077,000 | 2,962,000 | 2,827,000 | 2,740,000 |
| Securities available for sale | 20,419,000 | 19,816,000 | 25,251,000 | 24,977,000 |
| Securities held to maturity | 46,921,000 | 42,194,000 | 48,346,000 | 47,409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,341,000 | 286,886,000 | 297,969,000 | 298,253,000 |
| Interest-bearing deposits | 255,838,000 | 250,445,000 | 261,358,000 | 260,833,000 |
| Noninterest-bearing deposits | 35,503,000 | 36,441,000 | 36,611,000 | 37,420,000 |
| Equity capital | 37,270,000 | 38,272,000 | 38,896,000 | 39,128,000 |
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 | 6,285,000 | 12,426,000 | 18,421,000 | 24,316,000 |
| Interest expense | 2,059,000 | 3,975,000 | 5,817,000 | 7,609,000 |
| Net interest income | 4,226,000 | 8,451,000 | 12,604,000 | 16,707,000 |
| Noninterest income | 688,000 | 968,000 | 1,605,000 | 2,194,000 |
| Noninterest expense | 2,676,000 | 5,198,000 | 7,818,000 | 10,319,000 |
| Provision for loan losses | 395,000 | 828,000 | 1,254,000 | 1,608,000 |
| Pretax income | 1,843,000 | 3,393,000 | 5,137,000 | 6,974,000 |
| Income tax | 673,000 | 1,234,000 | 1,868,000 | 2,509,000 |
| Net income | 1,170,000 | 2,159,000 | 3,269,000 | 4,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,400,000 | 37,390,000 | 38,099,000 | 38,370,000 |
| Total capital | 39,373,000 | 40,352,000 | 40,926,000 | 41,110,000 |
| Risk-weighted assets | 237,741,000 | 238,189,000 | 248,137,000 | 251,959,000 |