Call reports 2005
COMMERCIAL BANK, THE — 2005
What COMMERCIAL BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 85,532,000 | 82,301,000 | 83,159,000 | 85,100,000 |
| Total loans | 52,121,000 | 49,508,000 | 50,894,000 | 50,008,000 |
| Allowance for loan losses | 1,166,000 | 1,109,000 | 1,120,000 | 1,102,000 |
| Securities available for sale | 23,858,000 | 23,862,000 | 23,903,000 | 24,244,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,136,000 | 73,502,000 | 73,893,000 | 76,261,000 |
| Interest-bearing deposits | 57,964,000 | 56,651,000 | 55,883,000 | 59,046,000 |
| Noninterest-bearing deposits | 19,172,000 | 16,851,000 | 18,010,000 | 17,215,000 |
| Equity capital | 8,095,000 | 8,390,000 | 8,739,000 | 8,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,201,000 | 2,345,000 | 3,558,000 | 4,820,000 |
| Interest expense | 289,000 | 588,000 | 924,000 | 1,308,000 |
| Net interest income | 912,000 | 1,757,000 | 2,634,000 | 3,512,000 |
| Noninterest income | 143,000 | 279,000 | 443,000 | 611,000 |
| Noninterest expense | 522,000 | 1,116,000 | 1,698,000 | 2,300,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 525,000 | 905,000 | 1,356,000 | 1,793,000 |
| Income tax | -2,000 | 125,000 | 188,000 | 251,000 |
| Net income | 527,000 | 780,000 | 1,168,000 | 1,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,202,000 | 8,456,000 | 8,738,000 | 8,699,000 |
| Total capital | 8,787,000 | 9,033,000 | 9,327,000 | 9,288,000 |
| Risk-weighted assets | 46,222,000 | 45,656,000 | 46,569,000 | 46,583,000 |