Call reports 2003
COMMERCIAL BANK, THE — 2003
What COMMERCIAL BANK, THE 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 | 212,171,000 | 210,379,000 | 206,921,000 | 207,733,000 |
| Total loans | 137,867,000 | 135,601,000 | 132,841,000 | 128,756,000 |
| Allowance for loan losses | 3,610,000 | 3,176,000 | 3,357,000 | 3,825,000 |
| Securities available for sale | 51,664,000 | 56,830,000 | 52,840,000 | 55,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,347,000 | 174,509,000 | 169,826,000 | 172,242,000 |
| Interest-bearing deposits | 160,499,000 | 159,593,000 | 155,887,000 | 156,474,000 |
| Noninterest-bearing deposits | 13,848,000 | 14,916,000 | 13,939,000 | 15,768,000 |
| Equity capital | 16,041,000 | 21,629,000 | 21,345,000 | 20,558,000 |
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 | 2,845,000 | 5,646,000 | 8,225,000 | 10,826,000 |
| Interest expense | 1,051,000 | 1,964,000 | 2,786,000 | 3,540,000 |
| Net interest income | 1,794,000 | 3,682,000 | 5,439,000 | 7,286,000 |
| Noninterest income | 410,000 | 872,000 | 1,380,000 | 1,635,000 |
| Noninterest expense | 1,488,000 | 3,062,000 | 4,487,000 | 6,023,000 |
| Provision for loan losses | 1,730,000 | 1,910,000 | 2,340,000 | 4,180,000 |
| Pretax income | -1,014,000 | -418,000 | -8,000 | -1,274,000 |
| Income tax | -394,000 | -264,000 | -156,000 | -631,000 |
| Net income | -620,000 | -154,000 | 148,000 | -643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,052,000 | 20,519,000 | 20,810,000 | 20,014,000 |
| Total capital | 23,761,000 | 24,190,000 | 24,468,000 | 23,637,000 |
| Risk-weighted assets | 134,780,000 | 132,151,000 | 130,940,000 | 127,664,000 |