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 | 398,908,000 | 415,514,000 | 416,208,000 | 438,880,000 |
| Total loans | 341,626,000 | 356,684,000 | 352,639,000 | 366,291,000 |
| Allowance for loan losses | 4,373,000 | 4,551,000 | 4,717,000 | 4,965,000 |
| Securities available for sale | 46,892,000 | 45,962,000 | 48,354,000 | 55,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,734,000 | 330,497,000 | 329,528,000 | 339,669,000 |
| Interest-bearing deposits | 277,343,000 | 278,814,000 | 280,594,000 | 293,994,000 |
| Noninterest-bearing deposits | 42,391,000 | 51,683,000 | 48,934,000 | 45,675,000 |
| Equity capital | 31,312,000 | 32,043,000 | 33,718,000 | 34,202,000 |
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 | 5,534,000 | 11,175,000 | 16,925,000 | 22,769,000 |
| Interest expense | 1,323,000 | 2,689,000 | 4,171,000 | 5,866,000 |
| Net interest income | 4,211,000 | 8,486,000 | 12,754,000 | 16,903,000 |
| Noninterest income | 685,000 | 1,470,000 | 2,308,000 | 3,145,000 |
| Noninterest expense | 1,891,000 | 3,800,000 | 5,836,000 | 7,543,000 |
| Provision for loan losses | 235,000 | 496,000 | 756,000 | 1,135,000 |
| Pretax income | 2,770,000 | 5,660,000 | 8,470,000 | 11,370,000 |
| Income tax | 1,003,000 | 2,055,000 | 3,077,000 | 4,129,000 |
| Net income | 1,767,000 | 3,605,000 | 5,393,000 | 7,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,938,000 | 32,656,000 | 33,584,000 | 34,311,000 |
| Total capital | 35,267,000 | 37,160,000 | 38,165,000 | 39,100,000 |
| Risk-weighted assets | 346,308,000 | 360,303,000 | 366,348,000 | 382,969,000 |