Call reports 2006
COMMERCIAL BANK, THE — 2006
What COMMERCIAL BANK, THE 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 | 20,224,000 | 22,111,000 | 21,234,000 | 21,599,000 |
| Total loans | 12,799,000 | 13,729,000 | 13,003,000 | 12,895,000 |
| Allowance for loan losses | 96,000 | 94,000 | 99,000 | 72,000 |
| Securities available for sale | 5,960,000 | 5,140,000 | 5,371,000 | 5,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,887,000 | 19,709,000 | 18,716,000 | 19,694,000 |
| Interest-bearing deposits | 14,101,000 | 15,089,000 | 14,271,000 | 14,260,000 |
| Noninterest-bearing deposits | 3,786,000 | 4,620,000 | 4,445,000 | 5,434,000 |
| Equity capital | 2,267,000 | 2,318,000 | 2,427,000 | 1,803,000 |
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 | 271,000 | 568,000 | 897,000 | 1,221,000 |
| Interest expense | 59,000 | 132,000 | 214,000 | 304,000 |
| Net interest income | 212,000 | 436,000 | 683,000 | 917,000 |
| Noninterest income | 19,000 | 43,000 | 68,000 | 94,000 |
| Noninterest expense | 169,000 | 342,000 | 513,000 | 694,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 59,000 | 131,000 | 229,000 | 303,000 |
| Income tax | 18,000 | 40,000 | 52,000 | 88,000 |
| Net income | 41,000 | 91,000 | 177,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,197,000 | 2,386,000 | 2,473,000 | 1,833,000 |
| Total capital | 2,293,000 | 2,480,000 | 2,572,000 | 1,905,000 |
| Risk-weighted assets | 13,509,000 | 14,809,000 | 13,941,000 | 13,925,000 |