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 | 739,969,000 | 749,788,000 | 759,391,000 | 783,404,000 |
| Total loans | 540,836,000 | 554,023,000 | 563,303,000 | 579,077,000 |
| Allowance for loan losses | 4,859,000 | 4,839,000 | 5,404,000 | 11,663,000 |
| Securities available for sale | 87,033,000 | 81,527,000 | 85,268,000 | 86,892,000 |
| Securities held to maturity | 14,856,000 | 13,558,000 | 10,563,000 | 9,072,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 566,709,000 | 567,668,000 | 576,205,000 | 616,343,000 |
| Interest-bearing deposits | 490,330,000 | 487,842,000 | 502,544,000 | 541,500,000 |
| Noninterest-bearing deposits | 76,379,000 | 79,826,000 | 73,661,000 | 74,843,000 |
| Equity capital | 83,090,000 | 83,701,000 | 88,998,000 | 85,769,000 |
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 | 9,068,000 | 18,405,000 | 27,467,000 | 36,636,000 |
| Interest expense | 3,557,000 | 6,995,000 | 10,360,000 | 13,480,000 |
| Net interest income | 5,511,000 | 11,410,000 | 17,107,000 | 23,156,000 |
| Noninterest income | 985,000 | 1,827,000 | 2,864,000 | 3,921,000 |
| Noninterest expense | 4,356,000 | 9,193,000 | 13,854,000 | 18,668,000 |
| Provision for loan losses | 274,000 | 583,000 | 1,139,000 | 8,557,000 |
| Pretax income | 1,894,000 | 3,508,000 | 5,041,000 | -82,000 |
| Income tax | 563,000 | 1,072,000 | 1,461,000 | -650,000 |
| Net income | 1,331,000 | 2,436,000 | 3,580,000 | 568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,473,000 | 65,671,000 | 69,888,000 | 66,945,000 |
| Total capital | 69,332,000 | 70,510,000 | 75,292,000 | 74,230,000 |
| Risk-weighted assets | 553,668,000 | 566,375,000 | 574,734,000 | 579,099,000 |