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 | 25,914,000 | 26,356,000 | 26,360,000 | 25,976,000 |
| Total loans | 11,412,000 | 11,891,000 | 13,916,000 | 14,046,000 |
| Allowance for loan losses | 238,000 | 261,000 | 275,000 | 295,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,263,000 | 9,347,000 | 8,936,000 | 8,044,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,395,000 | 20,781,000 | 20,714,000 | 20,612,000 |
| Interest-bearing deposits | 17,298,000 | 17,510,000 | 17,804,000 | 17,076,000 |
| Noninterest-bearing deposits | 3,097,000 | 3,271,000 | 2,910,000 | 3,537,000 |
| Equity capital | 5,349,000 | 5,399,000 | 5,443,000 | 5,199,000 |
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 | 276,000 | 569,000 | 877,000 | 1,213,000 |
| Interest expense | 42,000 | 82,000 | 121,000 | 157,000 |
| Net interest income | 234,000 | 487,000 | 756,000 | 1,056,000 |
| Noninterest income | 18,000 | 31,000 | 48,000 | 64,000 |
| Noninterest expense | 191,000 | 380,000 | 575,000 | 803,000 |
| Provision for loan losses | 5,000 | 20,000 | 35,000 | 50,000 |
| Pretax income | 56,000 | 118,000 | 194,000 | 267,000 |
| Income tax | 17,000 | 29,000 | 61,000 | 78,000 |
| Net income | 39,000 | 89,000 | 133,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,349,000 | 5,399,000 | 5,443,000 | 5,199,000 |
| Total capital | 5,539,000 | 5,600,000 | 5,667,000 | 5,420,000 |
| Risk-weighted assets | 15,117,000 | 15,987,000 | 17,873,000 | 17,584,000 |