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 | 409,218,000 | 408,891,000 | 411,173,000 | 418,224,000 |
| Total loans | 272,934,000 | 278,933,000 | 284,162,000 | 296,993,000 |
| Allowance for loan losses | 2,562,000 | 2,645,000 | 2,751,000 | 2,902,000 |
| Securities available for sale | 32,286,000 | 29,495,000 | 28,733,000 | 30,089,000 |
| Securities held to maturity | 50,236,000 | 45,928,000 | 46,899,000 | 40,736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,951,000 | 306,636,000 | 309,804,000 | 306,633,000 |
| Interest-bearing deposits | 261,500,000 | 260,105,000 | 263,339,000 | 256,999,000 |
| Noninterest-bearing deposits | 44,451,000 | 46,531,000 | 46,465,000 | 49,634,000 |
| Equity capital | 42,728,000 | 44,051,000 | 45,356,000 | 44,319,000 |
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 | 5,519,000 | 11,370,000 | 17,349,000 | 23,575,000 |
| Interest expense | 1,910,000 | 3,965,000 | 6,132,000 | 8,397,000 |
| Net interest income | 3,609,000 | 7,405,000 | 11,217,000 | 15,178,000 |
| Noninterest income | 647,000 | 1,362,000 | 2,182,000 | 2,921,000 |
| Noninterest expense | 2,253,000 | 4,526,000 | 6,833,000 | 9,191,000 |
| Provision for loan losses | 270,000 | 543,000 | 819,000 | 1,231,000 |
| Pretax income | 1,734,000 | 3,699,000 | 5,748,000 | 7,678,000 |
| Income tax | 621,000 | 1,327,000 | 2,063,000 | 2,479,000 |
| Net income | 1,113,000 | 2,372,000 | 3,685,000 | 5,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,348,000 | 43,606,000 | 44,920,000 | 43,934,000 |
| Total capital | 44,910,000 | 46,251,000 | 47,671,000 | 46,836,000 |
| Risk-weighted assets | 264,129,000 | 270,975,000 | 276,387,000 | 290,813,000 |