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 | 82,650,000 | 82,571,000 | 82,616,000 | 87,987,000 |
| Total loans | 48,391,000 | 49,270,000 | 50,959,000 | 51,951,000 |
| Allowance for loan losses | 836,000 | 1,157,000 | 1,165,000 | 1,161,000 |
| Securities available for sale | 25,030,000 | 24,234,000 | 23,974,000 | 23,828,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,502,000 | 71,887,000 | 71,168,000 | 76,916,000 |
| Interest-bearing deposits | 56,209,000 | 56,283,000 | 55,546,000 | 58,957,000 |
| Noninterest-bearing deposits | 15,293,000 | 15,604,000 | 15,622,000 | 17,959,000 |
| Equity capital | 10,685,000 | 10,425,000 | 11,052,000 | 7,751,000 |
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 | 1,102,000 | 2,217,000 | 3,342,000 | 4,506,000 |
| Interest expense | 259,000 | 509,000 | 758,000 | 1,018,000 |
| Net interest income | 843,000 | 1,708,000 | 2,584,000 | 3,488,000 |
| Noninterest income | 140,000 | 271,000 | 398,000 | 504,000 |
| Noninterest expense | 533,000 | 1,192,000 | 1,735,000 | 2,405,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 40,000 |
| Pretax income | 430,000 | 767,000 | 1,227,000 | 1,547,000 |
| Income tax | 149,000 | 246,000 | 397,000 | 481,000 |
| Net income | 281,000 | 521,000 | 830,000 | 1,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,420,000 | 10,615,000 | 10,924,000 | 7,678,000 |
| Total capital | 10,973,000 | 11,179,000 | 11,504,000 | 8,269,000 |
| Risk-weighted assets | 43,929,000 | 44,508,000 | 45,800,000 | 46,745,000 |