Call reports 2004
COMMERCIAL BANK, THE — 2004
What COMMERCIAL BANK, THE 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 | 211,410,000 | 208,813,000 | 204,612,000 | 199,160,000 |
| Total loans | 126,358,000 | 124,020,000 | 123,078,000 | 119,884,000 |
| Allowance for loan losses | 3,910,000 | 3,956,000 | 3,834,000 | 3,729,000 |
| Securities available for sale | 59,604,000 | 60,990,000 | 55,238,000 | 55,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,381,000 | 175,161,000 | 169,983,000 | 166,029,000 |
| Interest-bearing deposits | 159,547,000 | 158,797,000 | 153,497,000 | 146,870,000 |
| Noninterest-bearing deposits | 15,834,000 | 16,364,000 | 16,486,000 | 19,159,000 |
| Equity capital | 21,062,000 | 20,677,000 | 21,159,000 | 21,357,000 |
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 | 2,518,000 | 5,053,000 | 7,496,000 | 10,191,000 |
| Interest expense | 723,000 | 1,438,000 | 2,150,000 | 2,848,000 |
| Net interest income | 1,795,000 | 3,615,000 | 5,346,000 | 7,343,000 |
| Noninterest income | 262,000 | 561,000 | 846,000 | 1,122,000 |
| Noninterest expense | 1,638,000 | 3,224,000 | 5,415,000 | 7,258,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 374,000 | 907,000 | 729,000 | 1,159,000 |
| Income tax | 77,000 | 214,000 | 130,000 | 239,000 |
| Net income | 297,000 | 693,000 | 599,000 | 920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,318,000 | 20,701,000 | 20,615,000 | 20,936,000 |
| Total capital | 23,922,000 | 24,290,000 | 24,184,000 | 23,963,000 |
| Risk-weighted assets | 125,993,000 | 124,758,000 | 123,225,000 | 119,993,000 |