Call reports 2010
COMMERCIAL BANK, THE — 2010
What COMMERCIAL BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 27,270,000 | 27,988,000 | 28,554,000 | 27,930,000 |
| Total loans | 15,296,000 | 15,440,000 | 14,867,000 | 15,407,000 |
| Allowance for loan losses | 105,000 | 105,000 | 108,000 | 111,000 |
| Securities available for sale | 8,253,000 | 6,646,000 | 7,854,000 | 8,916,000 |
| Securities held to maturity | 0 | 250,000 | 250,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,817,000 | 25,496,000 | 25,953,000 | 24,996,000 |
| Interest-bearing deposits | 20,420,000 | 20,411,000 | 20,397,000 | 19,766,000 |
| Noninterest-bearing deposits | 4,397,000 | 5,085,000 | 5,556,000 | 5,229,000 |
| Equity capital | 2,304,000 | 2,352,000 | 2,430,000 | 2,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 325,000 | 661,000 | 973,000 | 1,280,000 |
| Interest expense | 50,000 | 98,000 | 135,000 | 162,000 |
| Net interest income | 275,000 | 563,000 | 838,000 | 1,118,000 |
| Noninterest income | 25,000 | 47,000 | 73,000 | 96,000 |
| Noninterest expense | 197,000 | 392,000 | 583,000 | 809,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 100,000 | 218,000 | 325,000 | 399,000 |
| Income tax | 27,000 | 59,000 | 86,000 | 100,000 |
| Net income | 73,000 | 159,000 | 239,000 | 299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,235,000 | 2,284,000 | 2,308,000 | 2,358,000 |
| Total capital | 2,340,000 | 2,389,000 | 2,416,000 | 2,469,000 |
| Risk-weighted assets | 16,385,000 | 16,490,000 | 16,913,000 | 17,729,000 |