Call reports 2008
COMMERCIAL BANK, THE — 2008
What COMMERCIAL BANK, THE 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 | 145,208,000 | 154,761,000 | 158,988,000 | 159,011,000 |
| Total loans | 106,683,000 | 117,674,000 | 121,358,000 | 123,446,000 |
| Allowance for loan losses | 1,647,000 | 1,611,000 | 1,565,000 | 1,709,000 |
| Securities available for sale | 22,892,000 | 23,219,000 | 22,999,000 | 21,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,084,000 | 120,274,000 | 119,915,000 | 114,972,000 |
| Interest-bearing deposits | 101,710,000 | 106,082,000 | 105,178,000 | 101,686,000 |
| Noninterest-bearing deposits | 13,374,000 | 14,192,000 | 14,737,000 | 13,286,000 |
| Equity capital | 9,651,000 | 10,385,000 | 10,451,000 | 10,634,000 |
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 | 2,541,000 | 5,059,000 | 7,689,000 | 10,307,000 |
| Interest expense | 1,038,000 | 2,052,000 | 3,102,000 | 4,155,000 |
| Net interest income | 1,503,000 | 3,007,000 | 4,587,000 | 6,152,000 |
| Noninterest income | 276,000 | 533,000 | 834,000 | 1,099,000 |
| Noninterest expense | 1,216,000 | 2,484,000 | 3,668,000 | 4,762,000 |
| Provision for loan losses | 275,000 | 335,000 | 410,000 | 675,000 |
| Pretax income | 288,000 | 721,000 | 1,343,000 | 1,814,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 288,000 | 706,000 | 153,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,603,000 | 11,084,000 | 11,219,000 | 11,443,000 |
| Total capital | 11,005,000 | 12,613,000 | 12,770,000 | 13,015,000 |
| Risk-weighted assets | 111,925,000 | 122,230,000 | 124,048,000 | 125,683,000 |