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 | 491,836,000 | 506,471,000 | 511,709,000 | 516,726,000 |
| Total loans | 418,344,000 | 439,133,000 | 442,805,000 | 442,652,000 |
| Allowance for loan losses | 5,327,000 | 5,478,000 | 5,640,000 | 5,734,000 |
| Securities available for sale | 52,493,000 | 51,778,000 | 52,617,000 | 52,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,565,000 | 429,890,000 | 430,059,000 | 457,755,000 |
| Interest-bearing deposits | 344,510,000 | 378,821,000 | 383,383,000 | 408,705,000 |
| Noninterest-bearing deposits | 54,055,000 | 51,069,000 | 46,676,000 | 49,050,000 |
| Equity capital | 42,119,000 | 43,160,000 | 45,174,000 | 46,621,000 |
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 | 8,331,000 | 17,374,000 | 27,122,000 | 37,124,000 |
| Interest expense | 3,552,000 | 7,614,000 | 12,164,000 | 16,945,000 |
| Net interest income | 4,779,000 | 9,760,000 | 14,958,000 | 20,179,000 |
| Noninterest income | 726,000 | 1,553,000 | 2,359,000 | 3,225,000 |
| Noninterest expense | 1,947,000 | 3,960,000 | 6,049,000 | 8,107,000 |
| Provision for loan losses | 180,000 | 310,000 | 570,000 | 790,000 |
| Pretax income | 3,378,000 | 7,043,000 | 10,698,000 | 14,507,000 |
| Income tax | 1,221,000 | 2,527,000 | 3,824,000 | 5,222,000 |
| Net income | 2,157,000 | 4,516,000 | 6,874,000 | 9,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,132,000 | 44,457,000 | 45,816,000 | 47,230,000 |
| Total capital | 48,459,000 | 49,935,000 | 51,456,000 | 52,964,000 |
| Risk-weighted assets | 459,592,000 | 478,051,000 | 475,058,000 | 487,798,000 |