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 | 83,620,000 | 84,866,000 | 85,295,000 | 87,693,000 |
| Total loans | 43,187,000 | 41,000,000 | 40,749,000 | 41,805,000 |
| Allowance for loan losses | 452,000 | 452,000 | 452,000 | 452,000 |
| Securities available for sale | 5,663,000 | 5,598,000 | 5,603,000 | 11,300,000 |
| Securities held to maturity | 19,887,000 | 20,884,000 | 20,678,000 | 14,973,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,741,000 | 75,008,000 | 74,533,000 | 76,719,000 |
| Interest-bearing deposits | 62,121,000 | 62,908,000 | 63,099,000 | 65,636,000 |
| Noninterest-bearing deposits | 11,620,000 | 12,100,000 | 11,434,000 | 11,083,000 |
| Equity capital | 9,345,000 | 9,378,000 | 9,444,000 | 9,587,000 |
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 | 1,066,000 | 2,083,000 | 3,066,000 | 4,006,000 |
| Interest expense | 447,000 | 863,000 | 1,247,000 | 1,598,000 |
| Net interest income | 619,000 | 1,220,000 | 1,819,000 | 2,408,000 |
| Noninterest income | 91,000 | 171,000 | 259,000 | 344,000 |
| Noninterest expense | 583,000 | 1,150,000 | 1,734,000 | 2,339,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 127,000 | 241,000 | 344,000 | 413,000 |
| Income tax | 47,000 | 89,000 | 128,000 | 152,000 |
| Net income | 80,000 | 152,000 | 216,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,293,000 | 9,366,000 | 9,429,000 | 9,468,000 |
| Total capital | 9,745,000 | 9,818,000 | 9,881,000 | 9,920,000 |
| Risk-weighted assets | 42,088,000 | 41,201,000 | 41,105,000 | 42,339,000 |
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