Call reports 2003
COMMERCIAL BANK — 2003
What COMMERCIAL BANK 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 | 116,219,000 | 117,813,000 | 120,170,000 | 119,813,000 |
| Total loans | 53,531,000 | 55,405,000 | 57,671,000 | 56,127,000 |
| Allowance for loan losses | 655,000 | 676,000 | 668,000 | 685,000 |
| Securities available for sale | 17,898,000 | 16,484,000 | 11,913,000 | 14,236,000 |
| Securities held to maturity | 31,469,000 | 32,568,000 | 36,724,000 | 35,514,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,600,000 | 99,378,000 | 101,496,000 | 101,015,000 |
| Interest-bearing deposits | 84,538,000 | 85,202,000 | 87,019,000 | 86,582,000 |
| Noninterest-bearing deposits | 14,063,000 | 14,177,000 | 14,477,000 | 14,433,000 |
| Equity capital | 12,428,000 | 12,495,000 | 12,475,000 | 12,522,000 |
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 | 1,613,000 | 3,218,000 | 4,776,000 | 6,357,000 |
| Interest expense | 620,000 | 1,231,000 | 1,811,000 | 2,371,000 |
| Net interest income | 993,000 | 1,987,000 | 2,965,000 | 3,986,000 |
| Noninterest income | 239,000 | 486,000 | 724,000 | 951,000 |
| Noninterest expense | 798,000 | 1,616,000 | 2,408,000 | 3,224,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 165,000 |
| Pretax income | 389,000 | 767,000 | 1,161,000 | 1,548,000 |
| Income tax | 119,000 | 232,000 | 349,000 | 466,000 |
| Net income | 270,000 | 535,000 | 812,000 | 1,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,891,000 | 8,964,000 | 9,052,000 | 9,131,000 |
| Total capital | 9,546,000 | 9,640,000 | 9,720,000 | 9,816,000 |
| Risk-weighted assets | 55,946,000 | 57,395,000 | 58,275,000 | 58,049,000 |