Call reports 2009
COMMONWEALTH BUSINESS BANK — 2009
What COMMONWEALTH BUSINESS BANK 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 | 313,866,000 | 338,502,000 | 330,728,000 | 336,185,000 |
| Total loans | 255,726,000 | 257,839,000 | 260,098,000 | 271,401,000 |
| Allowance for loan losses | 5,850,000 | 5,928,000 | 5,611,000 | 6,188,000 |
| Securities available for sale | 20,224,000 | 19,981,000 | 23,120,000 | 20,009,000 |
| Securities held to maturity | 10,356,000 | 10,655,000 | 9,491,000 | 8,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,047,000 | 278,775,000 | 270,307,000 | 275,567,000 |
| Interest-bearing deposits | 218,894,000 | 241,603,000 | 235,071,000 | 241,226,000 |
| Noninterest-bearing deposits | 30,153,000 | 37,172,000 | 35,236,000 | 34,341,000 |
| Equity capital | 48,844,000 | 48,183,000 | 48,734,000 | 48,760,000 |
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 | 3,673,000 | 7,447,000 | 11,384,000 | 15,324,000 |
| Interest expense | 1,610,000 | 3,260,000 | 4,792,000 | 6,065,000 |
| Net interest income | 2,063,000 | 4,187,000 | 6,592,000 | 9,259,000 |
| Noninterest income | 316,000 | 618,000 | 1,126,000 | 1,406,000 |
| Noninterest expense | 1,795,000 | 3,648,000 | 5,572,000 | 7,356,000 |
| Provision for loan losses | 1,294,000 | 2,822,000 | 3,348,000 | 4,468,000 |
| Pretax income | -710,000 | -1,420,000 | -859,000 | -816,000 |
| Income tax | -298,000 | -573,000 | -319,000 | -303,000 |
| Net income | -412,000 | -847,000 | -540,000 | -513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,233,000 | 47,616,000 | 48,143,000 | 47,808,000 |
| Total capital | 51,696,000 | 51,105,000 | 51,618,000 | 51,468,000 |
| Risk-weighted assets | 274,415,000 | 276,452,000 | 275,661,000 | 289,823,000 |