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 | 553,159,000 | 571,228,000 | 557,770,000 | 574,808,000 |
| Total loans | 484,105,000 | 495,732,000 | 480,177,000 | 498,700,000 |
| Allowance for loan losses | 8,019,000 | 8,222,000 | 6,888,000 | 9,800,000 |
| Securities available for sale | 50,811,000 | 55,961,000 | 58,443,000 | 56,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 420,794,000 | 422,784,000 | 435,821,000 | 471,035,000 |
| Interest-bearing deposits | 405,527,000 | 407,741,000 | 418,378,000 | 430,360,000 |
| Noninterest-bearing deposits | 15,267,000 | 15,043,000 | 17,443,000 | 40,675,000 |
| Equity capital | 49,442,000 | 47,628,000 | 48,648,000 | 48,057,000 |
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 | 8,897,000 | 16,830,000 | 24,681,000 | 31,784,000 |
| Interest expense | 3,772,000 | 6,914,000 | 10,084,000 | 13,350,000 |
| Net interest income | 5,125,000 | 9,916,000 | 14,597,000 | 18,434,000 |
| Noninterest income | 833,000 | 1,720,000 | 2,256,000 | 2,610,000 |
| Noninterest expense | 2,143,000 | 4,250,000 | 6,411,000 | 8,641,000 |
| Provision for loan losses | -152,000 | 2,854,000 | 7,736,000 | 11,164,000 |
| Pretax income | 3,967,000 | 4,532,000 | 2,706,000 | 1,239,000 |
| Income tax | 1,448,000 | 1,577,000 | 794,000 | 156,000 |
| Net income | 2,519,000 | 2,955,000 | 1,912,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,900,000 | 47,881,000 | 48,711,000 | 46,883,000 |
| Total capital | 55,580,000 | 54,650,000 | 55,382,000 | 53,586,000 |
| Risk-weighted assets | 533,098,000 | 540,077,000 | 533,425,000 | 532,959,000 |