Call reports 2009
COMMERCIAL BANK — 2009
What COMMERCIAL 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 | 26,603,000 | 26,269,000 | 25,646,000 | 26,665,000 |
| Total loans | 12,289,000 | 13,718,000 | 13,842,000 | 14,498,000 |
| Allowance for loan losses | 423,000 | 207,000 | 255,000 | 228,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,237,000 | 6,435,000 | 6,721,000 | 7,187,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,212,000 | 20,851,000 | 20,185,000 | 21,213,000 |
| Interest-bearing deposits | 17,217,000 | 17,782,000 | 17,080,000 | 17,109,000 |
| Noninterest-bearing deposits | 3,995,000 | 3,069,000 | 3,106,000 | 4,104,000 |
| Equity capital | 5,194,000 | 5,228,000 | 5,255,000 | 5,310,000 |
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 | 284,000 | 575,000 | 885,000 | 1,191,000 |
| Interest expense | 64,000 | 122,000 | 173,000 | 218,000 |
| Net interest income | 220,000 | 453,000 | 712,000 | 973,000 |
| Noninterest income | 23,000 | 40,000 | 55,000 | 72,000 |
| Noninterest expense | 187,000 | 377,000 | 570,000 | 771,000 |
| Provision for loan losses | 0 | 15,000 | 60,000 | 60,000 |
| Pretax income | 56,000 | 101,000 | 137,000 | 214,000 |
| Income tax | 17,000 | 28,000 | 37,000 | 59,000 |
| Net income | 39,000 | 73,000 | 100,000 | 155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,194,000 | 5,228,000 | 5,255,000 | 5,310,000 |
| Total capital | 5,391,000 | 5,435,000 | 5,468,000 | 5,532,000 |
| Risk-weighted assets | 15,523,000 | 17,131,000 | 16,997,000 | 17,719,000 |