Call reports 2004
COMMERCIAL BANK — 2004
What COMMERCIAL BANK 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 | 121,766,000 | 120,964,000 | 118,138,000 | 119,875,000 |
| Total loans | 56,051,000 | 57,923,000 | 58,670,000 | 59,437,000 |
| Allowance for loan losses | 676,000 | 849,000 | 817,000 | 782,000 |
| Securities available for sale | 18,891,000 | 16,955,000 | 15,902,000 | 18,105,000 |
| Securities held to maturity | 31,876,000 | 33,705,000 | 29,625,000 | 28,040,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,964,000 | 102,639,000 | 99,383,000 | 101,278,000 |
| Interest-bearing deposits | 87,411,000 | 87,089,000 | 83,550,000 | 85,366,000 |
| Noninterest-bearing deposits | 15,552,000 | 15,550,000 | 15,832,000 | 15,912,000 |
| Equity capital | 12,616,000 | 12,065,000 | 12,525,000 | 12,575,000 |
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 | 1,535,000 | 3,054,000 | 4,598,000 | 6,173,000 |
| Interest expense | 528,000 | 1,042,000 | 1,548,000 | 2,060,000 |
| Net interest income | 1,007,000 | 2,012,000 | 3,050,000 | 4,113,000 |
| Noninterest income | 226,000 | 449,000 | 664,000 | 884,000 |
| Noninterest expense | 809,000 | 1,646,000 | 2,516,000 | 3,418,000 |
| Provision for loan losses | 39,000 | 39,000 | 39,000 | 39,000 |
| Pretax income | 386,000 | 777,000 | 1,159,000 | 1,556,000 |
| Income tax | 111,000 | 225,000 | 336,000 | 453,000 |
| Net income | 275,000 | 552,000 | 823,000 | 1,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,205,000 | 8,982,000 | 9,211,000 | 9,357,000 |
| Total capital | 9,881,000 | 9,725,000 | 9,955,000 | 10,110,000 |
| Risk-weighted assets | 58,363,000 | 59,412,000 | 59,475,000 | 60,236,000 |