Call reports 2004
COMMERCIAL BANK OF DEMOPOLIS, THE — 2004
What COMMERCIAL BANK OF DEMOPOLIS, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 83,951,000 | 82,831,000 |
| Total loans | 59,383,000 | 62,757,000 |
| Allowance for loan losses | 908,000 | 848,000 |
| Securities available for sale | 18,419,000 | 15,898,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 71,239,000 | 68,338,000 |
| Interest-bearing deposits | 60,913,000 | 58,932,000 |
| Noninterest-bearing deposits | 10,326,000 | 9,406,000 |
| Equity capital | 7,665,000 | 7,396,000 |
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 |
|---|---|---|
| Interest income | 1,176,000 | 2,358,000 |
| Interest expense | 366,000 | 700,000 |
| Net interest income | 810,000 | 1,658,000 |
| Noninterest income | 110,000 | 226,000 |
| Noninterest expense | 520,000 | 1,070,000 |
| Provision for loan losses | 50,000 | 95,000 |
| Pretax income | 356,000 | 761,000 |
| Income tax | 92,000 | 206,000 |
| Net income | 264,000 | 555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 7,222,000 | 7,338,000 |
| Total capital | 7,955,000 | 8,091,000 |
| Risk-weighted assets | 58,492,000 | 60,166,000 |