Call reports 2009
COMMERCIAL BANK, THE — 2009
What COMMERCIAL BANK, THE 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 | 22,204,000 | 25,545,000 | 26,197,000 | 26,657,000 |
| Total loans | 14,757,000 | 14,988,000 | 15,063,000 | 15,462,000 |
| Allowance for loan losses | 94,000 | 96,000 | 99,000 | 103,000 |
| Securities available for sale | 2,890,000 | 6,463,000 | 7,385,000 | 7,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,980,000 | 23,372,000 | 23,872,000 | 24,323,000 |
| Interest-bearing deposits | 14,506,000 | 17,968,000 | 17,958,000 | 19,129,000 |
| Noninterest-bearing deposits | 5,474,000 | 5,404,000 | 5,914,000 | 5,195,000 |
| Equity capital | 2,107,000 | 2,064,000 | 2,185,000 | 2,221,000 |
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 | 281,000 | 576,000 | 898,000 | 1,223,000 |
| Interest expense | 48,000 | 103,000 | 156,000 | 209,000 |
| Net interest income | 233,000 | 473,000 | 742,000 | 1,014,000 |
| Noninterest income | 22,000 | 42,000 | 71,000 | 94,000 |
| Noninterest expense | 187,000 | 383,000 | 564,000 | 771,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 65,000 | 126,000 | 240,000 | 325,000 |
| Income tax | 10,000 | 32,000 | 64,000 | 85,000 |
| Net income | 55,000 | 94,000 | 176,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,074,000 | 2,072,000 | 2,154,000 | 2,163,000 |
| Total capital | 2,168,000 | 2,168,000 | 2,253,000 | 2,266,000 |
| Risk-weighted assets | 14,599,000 | 15,805,000 | 15,964,000 | 14,745,000 |