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 | 360,600,000 | 369,641,000 | 373,056,000 | 379,943,000 |
| Total loans | 305,442,000 | 311,946,000 | 316,916,000 | 325,435,000 |
| Allowance for loan losses | 3,806,000 | 3,937,000 | 4,042,000 | 4,177,000 |
| Securities available for sale | 40,276,000 | 39,810,000 | 40,026,000 | 45,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,619,000 | 288,574,000 | 286,259,000 | 299,126,000 |
| Interest-bearing deposits | 246,589,000 | 248,502,000 | 244,773,000 | 250,527,000 |
| Noninterest-bearing deposits | 39,030,000 | 40,072,000 | 41,486,000 | 48,599,000 |
| Equity capital | 31,534,000 | 31,021,000 | 30,625,000 | 30,879,000 |
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 | 5,411,000 | 10,835,000 | 16,158,000 | 21,472,000 |
| Interest expense | 1,730,000 | 3,371,000 | 4,807,000 | 6,181,000 |
| Net interest income | 3,681,000 | 7,464,000 | 11,351,000 | 15,291,000 |
| Noninterest income | 623,000 | 1,243,000 | 1,894,000 | 2,616,000 |
| Noninterest expense | 1,683,000 | 3,399,000 | 5,152,000 | 7,140,000 |
| Provision for loan losses | 205,000 | 350,000 | 490,000 | 780,000 |
| Pretax income | 2,416,000 | 4,958,000 | 7,603,000 | 9,987,000 |
| Income tax | 889,000 | 1,824,000 | 2,792,000 | 3,651,000 |
| Net income | 1,527,000 | 3,134,000 | 4,811,000 | 6,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,107,000 | 30,583,000 | 30,498,000 | 30,785,000 |
| Total capital | 34,913,000 | 34,520,000 | 34,540,000 | 34,925,000 |
| Risk-weighted assets | 311,762,000 | 318,918,000 | 326,883,000 | 331,175,000 |