Call reports 2005
COMMERCIAL BANK — 2005
What COMMERCIAL BANK 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 | 121,021,000 | 122,212,000 | 122,016,000 | 122,603,000 |
| Total loans | 58,051,000 | 57,788,000 | 56,678,000 | 53,191,000 |
| Allowance for loan losses | 779,000 | 798,000 | 787,000 | 880,000 |
| Securities available for sale | 16,742,000 | 15,836,000 | 19,117,000 | 19,818,000 |
| Securities held to maturity | 32,447,000 | 32,373,000 | 31,313,000 | 32,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,589,000 | 104,090,000 | 103,462,000 | 104,382,000 |
| Interest-bearing deposits | 86,493,000 | 87,371,000 | 86,623,000 | 86,414,000 |
| Noninterest-bearing deposits | 16,096,000 | 16,720,000 | 16,838,000 | 17,968,000 |
| Equity capital | 12,554,000 | 12,767,000 | 12,636,000 | 12,610,000 |
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 | 1,546,000 | 3,121,000 | 4,721,000 | 6,296,000 |
| Interest expense | 520,000 | 1,058,000 | 1,617,000 | 2,201,000 |
| Net interest income | 1,026,000 | 2,063,000 | 3,104,000 | 4,095,000 |
| Noninterest income | 240,000 | 458,000 | 700,000 | 906,000 |
| Noninterest expense | 883,000 | 1,738,000 | 2,587,000 | 3,422,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 250,000 |
| Pretax income | 360,000 | 738,000 | 1,149,000 | 1,329,000 |
| Income tax | 99,000 | 215,000 | 323,000 | 363,000 |
| Net income | 261,000 | 523,000 | 826,000 | 966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,492,000 | 9,578,000 | 9,536,000 | 9,575,000 |
| Total capital | 10,238,000 | 10,336,000 | 10,272,000 | 10,285,000 |
| Risk-weighted assets | 59,906,000 | 60,624,000 | 59,483,000 | 57,512,000 |