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 | 124,444,000 | 122,431,000 | 123,834,000 | 122,452,000 |
| Total loans | 43,663,000 | 44,100,000 | 45,603,000 | 46,584,000 |
| Allowance for loan losses | 746,000 | 752,000 | 727,000 | 684,000 |
| Securities available for sale | 39,939,000 | 46,186,000 | 46,190,000 | 50,991,000 |
| Securities held to maturity | 13,510,000 | 11,331,000 | 10,316,000 | 7,309,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,765,000 | 98,735,000 | 98,751,000 | 98,158,000 |
| Interest-bearing deposits | 83,421,000 | 82,503,000 | 81,933,000 | 82,713,000 |
| Noninterest-bearing deposits | 16,344,000 | 16,232,000 | 16,818,000 | 15,445,000 |
| Equity capital | 14,359,000 | 13,967,000 | 14,027,000 | 14,828,000 |
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 | 1,575,000 | 3,114,000 | 4,658,000 | 6,158,000 |
| Interest expense | 782,000 | 1,490,000 | 2,144,000 | 2,752,000 |
| Net interest income | 793,000 | 1,624,000 | 2,514,000 | 3,406,000 |
| Noninterest income | 210,000 | 402,000 | 600,000 | 786,000 |
| Noninterest expense | 817,000 | 1,652,000 | 2,509,000 | 3,392,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 183,000 | 378,000 | 607,000 | 802,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 183,000 | 378,000 | 607,000 | 802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,126,000 | 10,142,000 | 10,220,000 | 10,225,000 |
| Total capital | 10,800,000 | 10,816,000 | 10,929,000 | 10,910,000 |
| Risk-weighted assets | 53,885,000 | 53,851,000 | 56,712,000 | 56,165,000 |