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 | 428,177,000 | 418,869,000 | 430,256,000 | 431,785,000 |
| Total loans | 302,012,000 | 309,689,000 | 306,618,000 | 319,004,000 |
| Allowance for loan losses | 2,978,000 | 3,141,000 | 3,250,000 | 3,438,000 |
| Securities available for sale | 31,124,000 | 23,662,000 | 27,056,000 | 29,015,000 |
| Securities held to maturity | 41,433,000 | 36,194,000 | 36,748,000 | 34,034,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,924,000 | 315,769,000 | 328,717,000 | 325,923,000 |
| Interest-bearing deposits | 261,135,000 | 262,387,000 | 272,456,000 | 273,546,000 |
| Noninterest-bearing deposits | 50,789,000 | 53,382,000 | 56,261,000 | 52,377,000 |
| Equity capital | 45,683,000 | 47,184,000 | 48,778,000 | 47,631,000 |
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 | 6,542,000 | 13,463,000 | 20,640,000 | 28,055,000 |
| Interest expense | 2,507,000 | 5,227,000 | 8,155,000 | 11,264,000 |
| Net interest income | 4,035,000 | 8,236,000 | 12,485,000 | 16,791,000 |
| Noninterest income | 766,000 | 1,581,000 | 2,351,000 | 3,264,000 |
| Noninterest expense | 2,446,000 | 4,870,000 | 7,310,000 | 9,845,000 |
| Provision for loan losses | 270,000 | 543,000 | 819,000 | 1,095,000 |
| Pretax income | 2,085,000 | 4,404,000 | 6,707,000 | 9,115,000 |
| Income tax | 750,000 | 1,588,000 | 2,419,000 | 3,288,000 |
| Net income | 1,335,000 | 2,816,000 | 4,288,000 | 5,827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,269,000 | 46,730,000 | 48,203,000 | 46,998,000 |
| Total capital | 48,247,000 | 49,871,000 | 51,453,000 | 50,436,000 |
| Risk-weighted assets | 298,669,000 | 307,573,000 | 306,663,000 | 320,780,000 |