Call reports 2005
COMMERCIAL BANK, THE — 2005
What COMMERCIAL BANK, THE 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 | 18,619,000 | 19,165,000 | 20,033,000 | 20,339,000 |
| Total loans | 9,476,000 | 10,378,000 | 11,270,000 | 12,165,000 |
| Allowance for loan losses | 91,000 | 91,000 | 91,000 | 93,000 |
| Securities available for sale | 6,375,000 | 6,262,000 | 6,758,000 | 6,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,440,000 | 16,950,000 | 17,748,000 | 17,084,000 |
| Interest-bearing deposits | 12,624,000 | 12,501,000 | 13,083,000 | 12,792,000 |
| Noninterest-bearing deposits | 3,816,000 | 4,449,000 | 4,665,000 | 4,292,000 |
| Equity capital | 2,133,000 | 2,167,000 | 2,226,000 | 2,216,000 |
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 | 225,000 | 449,000 | 705,000 | 962,000 |
| Interest expense | 27,000 | 55,000 | 94,000 | 141,000 |
| Net interest income | 198,000 | 394,000 | 611,000 | 821,000 |
| Noninterest income | 21,000 | 38,000 | 63,000 | 83,000 |
| Noninterest expense | 161,000 | 328,000 | 498,000 | 687,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 50,000 | 95,000 | 167,000 | 198,000 |
| Income tax | 14,000 | 30,000 | 45,000 | 52,000 |
| Net income | 36,000 | 65,000 | 122,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,197,000 | 2,226,000 | 2,282,000 | 2,137,000 |
| Total capital | 2,288,000 | 2,317,000 | 2,373,000 | 2,230,000 |
| Risk-weighted assets | 11,151,000 | 11,891,000 | 12,621,000 | 13,703,000 |