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 | 455,715,000 | 458,609,000 | 691,630,000 | 714,604,000 |
| Total loans | 335,284,000 | 351,978,000 | 498,388,000 | 519,736,000 |
| Allowance for loan losses | 4,002,000 | 3,981,000 | 5,649,000 | 5,511,000 |
| Securities available for sale | 25,439,000 | 26,385,000 | 82,325,000 | 78,966,000 |
| Securities held to maturity | 20,781,000 | 20,780,000 | 19,778,000 | 20,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,423,000 | 352,738,000 | 531,140,000 | 542,886,000 |
| Interest-bearing deposits | 303,148,000 | 294,011,000 | 446,776,000 | 467,108,000 |
| Noninterest-bearing deposits | 55,275,000 | 58,727,000 | 84,364,000 | 75,778,000 |
| Equity capital | 52,707,000 | 53,531,000 | 81,795,000 | 82,376,000 |
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 | 7,296,000 | 14,319,000 | 21,817,000 | 31,459,000 |
| Interest expense | 3,226,000 | 6,151,000 | 9,178,000 | 12,905,000 |
| Net interest income | 4,070,000 | 8,168,000 | 12,639,000 | 18,554,000 |
| Noninterest income | 809,000 | 1,657,000 | 2,616,000 | 3,625,000 |
| Noninterest expense | 2,834,000 | 5,786,000 | 9,129,000 | 13,729,000 |
| Provision for loan losses | 136,000 | 273,000 | 432,000 | 708,000 |
| Pretax income | 1,909,000 | 3,779,000 | 4,774,000 | 6,822,000 |
| Income tax | 662,000 | 1,311,000 | 1,601,000 | 2,241,000 |
| Net income | 1,247,000 | 2,468,000 | 3,173,000 | 4,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,761,000 | 53,033,000 | 66,474,000 | 64,074,000 |
| Total capital | 55,763,000 | 57,014,000 | 72,123,000 | 69,585,000 |
| Risk-weighted assets | 345,163,000 | 362,601,000 | 510,199,000 | 531,056,000 |