Call reports 2009
COMMERCIAL BANK — 2009
What COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 344,269,000 | 336,417,000 | 344,324,000 | 345,639,000 |
| Total loans | 247,828,000 | 241,708,000 | 239,409,000 | 238,301,000 |
| Allowance for loan losses | 2,662,000 | 2,806,000 | 3,020,000 | 2,640,000 |
| Securities available for sale | 22,128,000 | 22,018,000 | 21,992,000 | 22,987,000 |
| Securities held to maturity | 95,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,329,000 | 254,584,000 | 268,878,000 | 270,376,000 |
| Interest-bearing deposits | 233,316,000 | 225,744,000 | 243,325,000 | 239,334,000 |
| Noninterest-bearing deposits | 26,013,000 | 28,840,000 | 25,553,000 | 31,042,000 |
| Equity capital | 26,045,000 | 25,886,000 | 26,216,000 | 26,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,952,000 | 9,537,000 | 14,087,000 | 18,565,000 |
| Interest expense | 1,904,000 | 3,714,000 | 5,541,000 | 7,298,000 |
| Net interest income | 3,048,000 | 5,823,000 | 8,546,000 | 11,267,000 |
| Noninterest income | 535,000 | 1,141,000 | 1,722,000 | 2,329,000 |
| Noninterest expense | 2,042,000 | 4,077,000 | 6,268,000 | 8,227,000 |
| Provision for loan losses | 236,000 | 612,000 | 840,000 | 1,091,000 |
| Pretax income | 1,306,000 | 2,277,000 | 3,163,000 | 4,281,000 |
| Income tax | 408,000 | 707,000 | 953,000 | 1,349,000 |
| Net income | 898,000 | 1,570,000 | 2,210,000 | 2,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,858,000 | 25,725,000 | 26,015,000 | 26,327,000 |
| Total capital | 28,520,000 | 28,465,000 | 28,753,000 | 28,967,000 |
| Risk-weighted assets | 222,971,000 | 219,100,000 | 218,751,000 | 219,478,000 |