Call reports 2008
COMMONWEALTH BUSINESS BANK — 2008
What COMMONWEALTH BUSINESS 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 | 272,370,000 | 287,886,000 | 295,847,000 | 296,253,000 |
| Total loans | 219,925,000 | 230,225,000 | 238,376,000 | 247,609,000 |
| Allowance for loan losses | 2,734,000 | 2,874,000 | 3,467,000 | 4,653,000 |
| Securities available for sale | 25,399,000 | 25,046,000 | 23,074,000 | 23,361,000 |
| Securities held to maturity | 4,669,000 | 5,749,000 | 5,433,000 | 7,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,059,000 | 234,597,000 | 242,190,000 | 238,484,000 |
| Interest-bearing deposits | 191,507,000 | 201,901,000 | 211,042,000 | 202,286,000 |
| Noninterest-bearing deposits | 27,552,000 | 32,696,000 | 31,148,000 | 36,198,000 |
| Equity capital | 41,469,000 | 41,652,000 | 41,924,000 | 41,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,376,000 | 8,583,000 | 12,839,000 | 16,925,000 |
| Interest expense | 2,110,000 | 3,994,000 | 5,848,000 | 7,676,000 |
| Net interest income | 2,266,000 | 4,589,000 | 6,991,000 | 9,249,000 |
| Noninterest income | 631,000 | 985,000 | 1,297,000 | 1,577,000 |
| Noninterest expense | 1,621,000 | 3,585,000 | 5,394,000 | 7,051,000 |
| Provision for loan losses | 566,000 | 803,000 | 1,394,000 | 3,385,000 |
| Pretax income | 710,000 | 1,186,000 | 1,500,000 | 390,000 |
| Income tax | 288,000 | 503,000 | 663,000 | 182,000 |
| Net income | 422,000 | 683,000 | 837,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,239,000 | 41,631,000 | 41,885,000 | 41,358,000 |
| Total capital | 44,157,000 | 44,680,000 | 45,102,000 | 44,653,000 |
| Risk-weighted assets | 237,612,000 | 247,932,000 | 256,712,000 | 261,980,000 |
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