Call reports 2006
COMMERCIAL BANK — 2006
What COMMERCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 183,232,000 | 197,718,000 | 194,939,000 | 200,999,000 |
| Total loans | 93,620,000 | 95,731,000 | 94,720,000 | 98,782,000 |
| Allowance for loan losses | 1,585,000 | 1,651,000 | 1,656,000 | 1,616,000 |
| Securities available for sale | 70,614,000 | 85,702,000 | 86,882,000 | 83,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,911,000 | 171,107,000 | 168,933,000 | 175,761,000 |
| Interest-bearing deposits | 139,363,000 | 152,826,000 | 148,887,000 | 157,344,000 |
| Noninterest-bearing deposits | 18,548,000 | 18,281,000 | 20,046,000 | 18,417,000 |
| Equity capital | 20,786,000 | 20,910,000 | 22,364,000 | 20,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,351,000 | 4,915,000 | 7,572,000 | 10,333,000 |
| Interest expense | 919,000 | 2,007,000 | 3,229,000 | 4,499,000 |
| Net interest income | 1,432,000 | 2,908,000 | 4,343,000 | 5,834,000 |
| Noninterest income | 435,000 | 932,000 | 1,407,000 | 1,879,000 |
| Noninterest expense | 1,293,000 | 2,582,000 | 3,960,000 | 5,313,000 |
| Provision for loan losses | 63,000 | 121,000 | 160,000 | 157,000 |
| Pretax income | 511,000 | 1,137,000 | 1,630,000 | 2,053,000 |
| Income tax | 22,000 | 48,000 | 71,000 | 90,000 |
| Net income | 489,000 | 1,089,000 | 1,559,000 | 1,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,334,000 | 22,933,000 | 23,404,000 | 21,621,000 |
| Total capital | 23,714,000 | 24,359,000 | 24,761,000 | 23,036,000 |
| Risk-weighted assets | 110,224,000 | 113,892,000 | 108,222,000 | 113,007,000 |