Call reports 2004
COMMERCIAL BANK — 2004
What COMMERCIAL BANK 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 | 187,044,000 | 183,461,000 | 186,112,000 | 193,604,000 |
| Total loans | 86,142,000 | 87,106,000 | 91,457,000 | 93,399,000 |
| Allowance for loan losses | 1,052,000 | 1,037,000 | 1,149,000 | 1,283,000 |
| Securities available for sale | 80,848,000 | 73,511,000 | 75,179,000 | 71,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,589,000 | 149,293,000 | 150,346,000 | 160,922,000 |
| Interest-bearing deposits | 134,832,000 | 134,438,000 | 132,185,000 | 141,233,000 |
| Noninterest-bearing deposits | 15,757,000 | 14,855,000 | 18,161,000 | 19,689,000 |
| Equity capital | 31,534,000 | 30,529,000 | 31,324,000 | 27,438,000 |
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 | 2,361,000 | 4,633,000 | 6,877,000 | 9,128,000 |
| Interest expense | 573,000 | 1,120,000 | 1,694,000 | 2,316,000 |
| Net interest income | 1,788,000 | 3,513,000 | 5,183,000 | 6,812,000 |
| Noninterest income | 465,000 | 952,000 | 1,447,000 | 1,938,000 |
| Noninterest expense | 1,262,000 | 2,570,000 | 3,864,000 | 5,170,000 |
| Provision for loan losses | 142,000 | 305,000 | 473,000 | 632,000 |
| Pretax income | 849,000 | 1,590,000 | 2,293,000 | 2,948,000 |
| Income tax | 40,000 | 73,000 | 103,000 | 96,000 |
| Net income | 809,000 | 1,517,000 | 2,190,000 | 2,852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,140,000 | 30,624,000 | 31,083,000 | 27,524,000 |
| Total capital | 31,192,000 | 31,661,000 | 32,232,000 | 28,807,000 |
| Risk-weighted assets | 103,435,000 | 102,467,000 | 105,698,000 | 108,404,000 |