Call reports 2010
COMMERCIAL BANK — 2010
What COMMERCIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 169,260,000 | 172,574,000 | 174,726,000 | 172,556,000 |
| Total loans | 121,175,000 | 119,092,000 | 119,554,000 | 117,836,000 |
| Allowance for loan losses | 3,382,000 | 2,945,000 | 3,143,000 | 2,763,000 |
| Securities available for sale | 14,482,000 | 28,878,000 | 30,993,000 | 30,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,835,000 | 150,722,000 | 152,399,000 | 150,993,000 |
| Interest-bearing deposits | 119,918,000 | 121,758,000 | 120,316,000 | 118,245,000 |
| Noninterest-bearing deposits | 27,917,000 | 28,964,000 | 32,083,000 | 32,748,000 |
| Equity capital | 13,829,000 | 14,248,000 | 14,663,000 | 13,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,201,000 | 4,382,000 | 6,541,000 | 8,872,000 |
| Interest expense | 585,000 | 1,153,000 | 1,682,000 | 2,157,000 |
| Net interest income | 1,616,000 | 3,229,000 | 4,859,000 | 6,715,000 |
| Noninterest income | 117,000 | 383,000 | 625,000 | 1,497,000 |
| Noninterest expense | 1,466,000 | 2,935,000 | 4,452,000 | 6,691,000 |
| Provision for loan losses | 630,000 | 780,000 | 960,000 | 1,730,000 |
| Pretax income | 18,000 | 278,000 | 639,000 | 507,000 |
| Income tax | -17,000 | 64,000 | 128,000 | -195,000 |
| Net income | 35,000 | 214,000 | 511,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,644,000 | 13,824,000 | 14,121,000 | 14,311,000 |
| Total capital | 15,204,000 | 15,351,000 | 15,696,000 | 15,891,000 |
| Risk-weighted assets | 122,956,000 | 123,389,000 | 124,443,000 | 124,440,000 |