Call reports 2003
COMMERCIAL BANK, THE — 2003
What COMMERCIAL BANK, THE 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 | 17,217,000 | 17,677,000 | 16,970,000 | 17,198,000 |
| Total loans | 8,783,000 | 8,404,000 | 8,640,000 | 8,676,000 |
| Allowance for loan losses | 94,000 | 105,000 | 103,000 | 100,000 |
| Securities available for sale | 4,232,000 | 4,500,000 | 4,884,000 | 5,138,000 |
| Securities held to maturity | 250,000 | 250,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,163,000 | 15,558,000 | 14,870,000 | 15,088,000 |
| Interest-bearing deposits | 12,705,000 | 13,295,000 | 12,425,000 | 12,336,000 |
| Noninterest-bearing deposits | 2,458,000 | 2,263,000 | 2,446,000 | 2,752,000 |
| Equity capital | 1,979,000 | 2,042,000 | 2,039,000 | 2,047,000 |
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 | 217,000 | 427,000 | 638,000 | 844,000 |
| Interest expense | 40,000 | 72,000 | 102,000 | 128,000 |
| Net interest income | 177,000 | 355,000 | 536,000 | 716,000 |
| Noninterest income | 26,000 | 47,000 | 74,000 | 104,000 |
| Noninterest expense | 160,000 | 320,000 | 485,000 | 662,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 43,000 | 82,000 | 125,000 | 158,000 |
| Income tax | 11,000 | 21,000 | 31,000 | 39,000 |
| Net income | 32,000 | 61,000 | 94,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,979,000 | 1,991,000 | 2,023,000 | 2,032,000 |
| Total capital | 2,073,000 | 2,096,000 | 2,126,000 | 2,132,000 |
| Risk-weighted assets | 11,053,000 | 10,987,000 | 11,006,000 | 11,100,000 |