Call reports 2006
COMMERCIAL BANK — 2006
What COMMERCIAL BANK 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 | 125,257,000 | 123,907,000 | 123,092,000 | 124,063,000 |
| Total loans | 49,262,000 | 49,327,000 | 48,140,000 | 46,736,000 |
| Allowance for loan losses | 885,000 | 875,000 | 843,000 | 825,000 |
| Securities available for sale | 28,499,000 | 28,011,000 | 30,190,000 | 28,066,000 |
| Securities held to maturity | 29,268,000 | 28,190,000 | 26,176,000 | 24,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,192,000 | 100,678,000 | 99,343,000 | 100,800,000 |
| Interest-bearing deposits | 89,453,000 | 84,516,000 | 83,141,000 | 82,061,000 |
| Noninterest-bearing deposits | 17,739,000 | 16,163,000 | 16,203,000 | 18,739,000 |
| Equity capital | 12,640,000 | 12,631,000 | 13,042,000 | 12,615,000 |
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 | 1,585,000 | 3,197,000 | 4,843,000 | 6,516,000 |
| Interest expense | 617,000 | 1,302,000 | 2,032,000 | 2,787,000 |
| Net interest income | 968,000 | 1,895,000 | 2,811,000 | 3,729,000 |
| Noninterest income | 244,000 | 455,000 | 694,000 | 892,000 |
| Noninterest expense | 825,000 | 1,635,000 | 2,485,000 | 3,373,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 357,000 | 675,000 | 980,000 | 1,208,000 |
| Income tax | 94,000 | 176,000 | 242,000 | 482,000 |
| Net income | 263,000 | 499,000 | 738,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,712,000 | 9,859,000 | 10,006,000 | 9,675,000 |
| Total capital | 10,403,000 | 10,576,000 | 10,723,000 | 10,367,000 |
| Risk-weighted assets | 55,854,000 | 57,206,000 | 57,007,000 | 55,874,000 |