Call reports 2009
COMMERCIAL BANK, THE — 2009
What COMMERCIAL BANK, THE 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 | 161,978,000 | 163,371,000 | 155,613,000 | 153,335,000 |
| Total loans | 123,088,000 | 119,763,000 | 114,505,000 | 110,344,000 |
| Allowance for loan losses | 1,704,000 | 1,412,000 | 1,702,000 | 1,996,000 |
| Securities available for sale | 23,818,000 | 29,106,000 | 26,664,000 | 26,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,683,000 | 120,690,000 | 119,009,000 | 114,303,000 |
| Interest-bearing deposits | 107,311,000 | 106,225,000 | 101,413,000 | 100,196,000 |
| Noninterest-bearing deposits | 13,372,000 | 14,465,000 | 17,596,000 | 14,107,000 |
| Equity capital | 11,494,000 | 11,506,000 | 11,634,000 | 11,239,000 |
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 | 2,461,000 | 4,873,000 | 7,282,000 | 9,541,000 |
| Interest expense | 959,000 | 1,887,000 | 2,756,000 | 3,516,000 |
| Net interest income | 1,502,000 | 2,986,000 | 4,526,000 | 6,025,000 |
| Noninterest income | 280,000 | 505,000 | 753,000 | 997,000 |
| Noninterest expense | 1,312,000 | 2,635,000 | 3,918,000 | 5,120,000 |
| Provision for loan losses | 88,000 | 147,000 | 748,000 | 1,408,000 |
| Pretax income | 382,000 | 709,000 | 613,000 | 303,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 382,000 | 621,000 | 452,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,289,000 | 12,730,000 | 12,628,000 | 12,425,000 |
| Total capital | 13,917,000 | 14,142,000 | 14,290,000 | 14,047,000 |
| Risk-weighted assets | 140,698,000 | 138,472,000 | 132,921,000 | 129,393,000 |