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 | 394,232,000 | 399,551,000 | 397,583,000 | 403,416,000 |
| Total loans | 267,089,000 | 272,131,000 | 272,788,000 | 272,930,000 |
| Allowance for loan losses | 2,634,000 | 2,571,000 | 2,635,000 | 2,576,000 |
| Securities available for sale | 23,221,000 | 23,980,000 | 23,588,000 | 28,637,000 |
| Securities held to maturity | 46,388,000 | 43,341,000 | 40,247,000 | 43,353,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,158,000 | 298,226,000 | 298,824,000 | 299,946,000 |
| Interest-bearing deposits | 256,402,000 | 255,252,000 | 254,758,000 | 253,334,000 |
| Noninterest-bearing deposits | 38,756,000 | 42,974,000 | 44,066,000 | 46,612,000 |
| Equity capital | 39,988,000 | 40,943,000 | 42,337,000 | 41,781,000 |
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 | 5,549,000 | 11,118,000 | 16,653,000 | 22,236,000 |
| Interest expense | 1,755,000 | 3,457,000 | 5,143,000 | 6,917,000 |
| Net interest income | 3,794,000 | 7,661,000 | 11,510,000 | 15,319,000 |
| Noninterest income | 216,000 | 914,000 | 1,605,000 | 2,249,000 |
| Noninterest expense | 2,488,000 | 4,772,000 | 7,027,000 | 9,260,000 |
| Provision for loan losses | 194,000 | 399,000 | 675,000 | 951,000 |
| Pretax income | 1,328,000 | 3,404,000 | 5,453,000 | 7,397,000 |
| Income tax | 472,000 | 1,219,000 | 1,954,000 | 2,652,000 |
| Net income | 856,000 | 2,185,000 | 3,499,000 | 4,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,227,000 | 40,414,000 | 41,688,000 | 41,235,000 |
| Total capital | 41,861,000 | 42,985,000 | 44,323,000 | 43,811,000 |
| Risk-weighted assets | 256,238,000 | 261,325,000 | 259,384,000 | 262,902,000 |