Call reports 2005
COMMERCIAL BANK — 2005
What COMMERCIAL BANK 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 | 181,270,000 | 179,489,000 | 182,817,000 | 188,080,000 |
| Total loans | 93,237,000 | 94,760,000 | 92,264,000 | 91,564,000 |
| Allowance for loan losses | 1,387,000 | 1,457,000 | 1,471,000 | 1,532,000 |
| Securities available for sale | 70,312,000 | 64,735,000 | 63,843,000 | 66,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,535,000 | 147,209,000 | 150,654,000 | 161,730,000 |
| Interest-bearing deposits | 132,112,000 | 129,894,000 | 133,143,000 | 142,558,000 |
| Noninterest-bearing deposits | 17,423,000 | 17,315,000 | 17,511,000 | 19,172,000 |
| Equity capital | 26,312,000 | 27,495,000 | 25,425,000 | 20,500,000 |
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 | 2,233,000 | 4,439,000 | 6,677,000 | 8,989,000 |
| Interest expense | 667,000 | 1,372,000 | 2,151,000 | 3,010,000 |
| Net interest income | 1,566,000 | 3,067,000 | 4,526,000 | 5,979,000 |
| Noninterest income | 439,000 | 943,000 | 1,393,000 | 1,847,000 |
| Noninterest expense | 1,252,000 | 2,527,000 | 3,888,000 | 5,252,000 |
| Provision for loan losses | 119,000 | 245,000 | 377,000 | 497,000 |
| Pretax income | 634,000 | 1,238,000 | 1,654,000 | 2,077,000 |
| Income tax | 28,000 | 54,000 | 72,000 | 82,000 |
| Net income | 606,000 | 1,184,000 | 1,582,000 | 1,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,597,000 | 27,996,000 | 26,430,000 | 21,845,000 |
| Total capital | 28,918,000 | 29,324,000 | 27,727,000 | 23,222,000 |
| Risk-weighted assets | 105,651,000 | 106,087,000 | 103,563,000 | 110,012,000 |