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 | 441,797,000 | 470,282,000 | 475,799,000 | 480,735,000 |
| Total loans | 373,645,000 | 405,162,000 | 408,287,000 | 407,571,000 |
| Allowance for loan losses | 4,640,000 | 4,798,000 | 5,091,000 | 5,190,000 |
| Securities available for sale | 54,505,000 | 48,305,000 | 51,232,000 | 53,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,370,000 | 367,204,000 | 378,174,000 | 372,474,000 |
| Interest-bearing deposits | 319,018,000 | 310,310,000 | 320,763,000 | 318,022,000 |
| Noninterest-bearing deposits | 48,352,000 | 56,894,000 | 57,411,000 | 54,452,000 |
| Equity capital | 35,273,000 | 37,336,000 | 39,831,000 | 40,594,000 |
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 | 6,282,000 | 13,089,000 | 20,760,000 | 28,933,000 |
| Interest expense | 2,012,000 | 4,385,000 | 7,256,000 | 10,583,000 |
| Net interest income | 4,270,000 | 8,704,000 | 13,504,000 | 18,350,000 |
| Noninterest income | 819,000 | 1,672,000 | 2,474,000 | 3,236,000 |
| Noninterest expense | 1,796,000 | 3,448,000 | 5,319,000 | 7,215,000 |
| Provision for loan losses | -350,000 | -86,000 | 268,000 | 539,000 |
| Pretax income | 3,643,000 | 7,014,000 | 10,391,000 | 13,832,000 |
| Income tax | 1,332,000 | 2,567,000 | 3,797,000 | 5,048,000 |
| Net income | 2,311,000 | 4,447,000 | 6,594,000 | 8,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,815,000 | 37,398,000 | 40,195,000 | 41,215,000 |
| Total capital | 40,455,000 | 42,196,000 | 45,286,000 | 46,405,000 |
| Risk-weighted assets | 389,456,000 | 419,722,000 | 426,532,000 | 427,115,000 |