Call reports 2008
COMMERCIAL BANK — 2008
What COMMERCIAL 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 | 22,497,000 | 22,967,000 | 23,946,000 | 24,728,000 |
| Total loans | 14,404,000 | 14,960,000 | 14,204,000 | 15,092,000 |
| Allowance for loan losses | 389,000 | 371,000 | 377,000 | 335,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,785,000 | 4,828,000 | 5,423,000 | 6,222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,252,000 | 17,688,000 | 18,622,000 | 19,398,000 |
| Interest-bearing deposits | 14,876,000 | 15,535,000 | 16,007,000 | 16,377,000 |
| Noninterest-bearing deposits | 2,376,000 | 2,152,000 | 2,615,000 | 3,021,000 |
| Equity capital | 5,002,000 | 5,067,000 | 5,112,000 | 5,155,000 |
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 | 375,000 | 710,000 | 1,044,000 | 1,381,000 |
| Interest expense | 100,000 | 178,000 | 254,000 | 327,000 |
| Net interest income | 275,000 | 532,000 | 790,000 | 1,054,000 |
| Noninterest income | 19,000 | 35,000 | 56,000 | 74,000 |
| Noninterest expense | 193,000 | 376,000 | 591,000 | 813,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 101,000 | 191,000 | 255,000 | 315,000 |
| Income tax | 31,000 | 56,000 | 75,000 | 92,000 |
| Net income | 70,000 | 135,000 | 180,000 | 223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,002,000 | 5,067,000 | 5,112,000 | 5,155,000 |
| Total capital | 5,206,000 | 5,278,000 | 5,319,000 | 5,377,000 |
| Risk-weighted assets | 16,170,000 | 16,710,000 | 16,368,000 | 17,624,000 |