Call reports 2003
COMMERCIAL BANK — 2003
What COMMERCIAL BANK 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 | 196,020,000 | 192,173,000 | 190,052,000 | 195,559,000 |
| Total loans | 88,627,000 | 87,024,000 | 89,937,000 | 89,334,000 |
| Allowance for loan losses | 1,096,000 | 996,000 | 1,073,000 | 1,052,000 |
| Securities available for sale | 82,880,000 | 85,123,000 | 81,108,000 | 81,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,680,000 | 153,437,000 | 153,154,000 | 156,546,000 |
| Interest-bearing deposits | 142,991,000 | 137,634,000 | 134,598,000 | 138,045,000 |
| Noninterest-bearing deposits | 16,689,000 | 15,803,000 | 18,556,000 | 18,501,000 |
| Equity capital | 30,587,000 | 31,205,000 | 30,652,000 | 30,900,000 |
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 | 2,681,000 | 5,272,000 | 7,761,000 | 10,166,000 |
| Interest expense | 786,000 | 1,527,000 | 2,196,000 | 2,824,000 |
| Net interest income | 1,895,000 | 3,745,000 | 5,565,000 | 7,342,000 |
| Noninterest income | 431,000 | 892,000 | 1,379,000 | 1,827,000 |
| Noninterest expense | 1,241,000 | 2,484,000 | 3,775,000 | 5,061,000 |
| Provision for loan losses | 86,000 | 206,000 | 455,000 | 831,000 |
| Pretax income | 999,000 | 1,947,000 | 2,714,000 | 3,277,000 |
| Income tax | 47,000 | 91,000 | 128,000 | 129,000 |
| Net income | 952,000 | 1,856,000 | 2,586,000 | 3,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,097,000 | 28,600,000 | 29,173,000 | 29,698,000 |
| Total capital | 29,193,000 | 29,596,000 | 30,246,000 | 30,750,000 |
| Risk-weighted assets | 108,570,000 | 105,981,000 | 107,304,000 | 107,007,000 |