Call reports 2008
COMMERCIAL BANK — 2008
What COMMERCIAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 305,394,000 | 308,883,000 | 326,855,000 | 357,880,000 |
| Total loans | 258,347,000 | 256,382,000 | 258,893,000 | 255,294,000 |
| Allowance for loan losses | 2,611,000 | 2,598,000 | 2,617,000 | 2,575,000 |
| Securities available for sale | 22,437,000 | 22,113,000 | 22,407,000 | 22,742,000 |
| Securities held to maturity | 360,000 | 275,000 | 275,000 | 95,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,121,000 | 227,279,000 | 231,276,000 | 255,601,000 |
| Interest-bearing deposits | 198,504,000 | 196,819,000 | 203,914,000 | 225,468,000 |
| Noninterest-bearing deposits | 28,617,000 | 30,460,000 | 27,362,000 | 30,133,000 |
| Equity capital | 24,948,000 | 25,001,000 | 25,394,000 | 25,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,756,000 | 9,535,000 | 14,347,000 | 19,424,000 |
| Interest expense | 2,121,000 | 4,087,000 | 6,045,000 | 8,046,000 |
| Net interest income | 2,635,000 | 5,448,000 | 8,302,000 | 11,378,000 |
| Noninterest income | 383,000 | 761,000 | 1,161,000 | 1,502,000 |
| Noninterest expense | 1,944,000 | 3,888,000 | 5,839,000 | 8,220,000 |
| Provision for loan losses | 0 | 46,000 | 96,000 | 176,000 |
| Pretax income | 1,095,000 | 2,296,000 | 3,551,000 | 4,507,000 |
| Income tax | 337,000 | 711,000 | 1,087,000 | 1,387,000 |
| Net income | 758,000 | 1,585,000 | 2,464,000 | 3,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,569,000 | 24,888,000 | 25,266,000 | 25,506,000 |
| Total capital | 27,180,000 | 27,486,000 | 27,883,000 | 28,081,000 |
| Risk-weighted assets | 219,084,000 | 218,208,000 | 223,903,000 | 228,273,000 |