Call reports 2010
COMMERCIAL BANK — 2010
What COMMERCIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 361,154,000 | 341,579,000 | 411,634,000 | 402,334,000 |
| Total loans | 237,110,000 | 236,775,000 | 308,635,000 | 310,560,000 |
| Allowance for loan losses | 2,640,000 | 2,642,000 | 3,736,000 | 3,183,000 |
| Securities available for sale | 23,099,000 | 24,426,000 | 23,172,000 | 21,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,687,000 | 275,346,000 | 346,335,000 | 342,017,000 |
| Interest-bearing deposits | 260,640,000 | 243,182,000 | 311,118,000 | 305,832,000 |
| Noninterest-bearing deposits | 31,047,000 | 32,164,000 | 35,217,000 | 36,185,000 |
| Equity capital | 26,586,000 | 27,034,000 | 27,934,000 | 28,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,208,000 | 8,386,000 | 13,261,000 | 18,570,000 |
| Interest expense | 1,726,000 | 3,342,000 | 5,058,000 | 6,723,000 |
| Net interest income | 2,482,000 | 5,044,000 | 8,203,000 | 11,847,000 |
| Noninterest income | 381,000 | 754,000 | 3,378,000 | 4,158,000 |
| Noninterest expense | 1,863,000 | 3,580,000 | 6,123,000 | 9,196,000 |
| Provision for loan losses | 415,000 | 642,000 | 2,019,000 | 2,119,000 |
| Pretax income | 585,000 | 1,597,000 | 3,467,000 | 4,718,000 |
| Income tax | 153,000 | 451,000 | 1,016,000 | 1,362,000 |
| Net income | 432,000 | 1,146,000 | 2,451,000 | 3,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,418,000 | 26,794,000 | 26,850,000 | 27,417,000 |
| Total capital | 28,988,000 | 29,361,000 | 29,489,000 | 30,301,000 |
| Risk-weighted assets | 205,547,000 | 205,288,000 | 210,057,000 | 230,124,000 |