Call reports 2008
COMMERCIAL BANK, THE — 2008
What COMMERCIAL BANK, THE 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 | 20,005,000 | 19,550,000 | 19,103,000 | 20,754,000 |
| Total loans | 14,124,000 | 14,357,000 | 13,828,000 | 14,830,000 |
| Allowance for loan losses | 82,000 | 85,000 | 88,000 | 90,000 |
| Securities available for sale | 3,068,000 | 2,758,000 | 2,049,000 | 2,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,907,000 | 17,477,000 | 16,963,000 | 18,649,000 |
| Interest-bearing deposits | 13,055,000 | 12,267,000 | 11,788,000 | 12,975,000 |
| Noninterest-bearing deposits | 4,852,000 | 5,210,000 | 5,175,000 | 5,674,000 |
| Equity capital | 1,988,000 | 1,984,000 | 2,037,000 | 2,022,000 |
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 | 306,000 | 589,000 | 864,000 | 1,138,000 |
| Interest expense | 74,000 | 127,000 | 174,000 | 222,000 |
| Net interest income | 232,000 | 462,000 | 690,000 | 916,000 |
| Noninterest income | 22,000 | 41,000 | 67,000 | 89,000 |
| Noninterest expense | 191,000 | 369,000 | 553,000 | 752,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 60,000 | 137,000 | 205,000 | 251,000 |
| Income tax | 15,000 | 36,000 | 54,000 | 58,000 |
| Net income | 45,000 | 101,000 | 151,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,956,000 | 1,969,000 | 2,019,000 | 2,019,000 |
| Total capital | 2,038,000 | 2,054,000 | 2,107,000 | 2,109,000 |
| Risk-weighted assets | 14,332,000 | 14,286,000 | 13,463,000 | 14,465,000 |