Call reports 2010
COMMERCIAL BANK — 2010
What COMMERCIAL BANK 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 | 127,256,000 | 127,313,000 | 130,830,000 | 123,620,000 |
| Total loans | 44,593,000 | 44,450,000 | 45,409,000 | 46,004,000 |
| Allowance for loan losses | 652,000 | 649,000 | 648,000 | 656,000 |
| Securities available for sale | 60,588,000 | 57,217,000 | 58,882,000 | 57,412,000 |
| Securities held to maturity | 5,201,000 | 5,674,000 | 5,476,000 | 5,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,158,000 | 101,566,000 | 104,965,000 | 102,644,000 |
| Interest-bearing deposits | 85,833,000 | 85,080,000 | 86,524,000 | 85,735,000 |
| Noninterest-bearing deposits | 15,325,000 | 16,485,000 | 18,440,000 | 16,909,000 |
| Equity capital | 16,103,000 | 16,522,000 | 16,263,000 | 15,589,000 |
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 | 1,456,000 | 2,863,000 | 4,231,000 | 5,606,000 |
| Interest expense | 446,000 | 881,000 | 1,314,000 | 1,729,000 |
| Net interest income | 1,010,000 | 1,982,000 | 2,917,000 | 3,877,000 |
| Noninterest income | 203,000 | 406,000 | 617,000 | 810,000 |
| Noninterest expense | 912,000 | 1,801,000 | 2,691,000 | 3,598,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 286,000 | 557,000 | 798,000 | 1,030,000 |
| Income tax | 0 | 10,000 | 10,000 | 10,000 |
| Net income | 286,000 | 547,000 | 788,000 | 1,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,778,000 | 10,864,000 | 10,935,000 | 10,977,000 |
| Total capital | 11,430,000 | 11,513,000 | 11,583,000 | 11,633,000 |
| Risk-weighted assets | 55,619,000 | 55,537,000 | 57,315,000 | 56,535,000 |