Call reports 2004
COMMERCIAL BANK, THE — 2004
What COMMERCIAL BANK, THE 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 | 16,895,000 | 18,475,000 | 19,033,000 | 19,318,000 |
| Total loans | 8,987,000 | 8,868,000 | 8,855,000 | 8,710,000 |
| Allowance for loan losses | 100,000 | 98,000 | 95,000 | 93,000 |
| Securities available for sale | 4,973,000 | 5,713,000 | 6,869,000 | 7,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,714,000 | 16,380,000 | 16,804,000 | 17,142,000 |
| Interest-bearing deposits | 12,400,000 | 13,525,000 | 13,220,000 | 13,114,000 |
| Noninterest-bearing deposits | 2,314,000 | 2,855,000 | 3,584,000 | 4,028,000 |
| Equity capital | 2,104,000 | 2,066,000 | 2,158,000 | 2,142,000 |
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 | 209,000 | 411,000 | 629,000 | 848,000 |
| Interest expense | 24,000 | 47,000 | 71,000 | 96,000 |
| Net interest income | 185,000 | 364,000 | 558,000 | 752,000 |
| Noninterest income | 23,000 | 50,000 | 88,000 | 107,000 |
| Noninterest expense | 163,000 | 321,000 | 479,000 | 668,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 45,000 | 93,000 | 167,000 | 191,000 |
| Income tax | 14,000 | 29,000 | 54,000 | 47,000 |
| Net income | 31,000 | 64,000 | 113,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,063,000 | 2,096,000 | 2,145,000 | 2,161,000 |
| Total capital | 2,163,000 | 2,194,000 | 2,240,000 | 2,254,000 |
| Risk-weighted assets | 11,285,000 | 11,313,000 | 11,375,000 | 11,185,000 |