Call reports 2006
COMMERCEFIRST BANK — 2006
What COMMERCEFIRST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 101,989,000 | 99,868,000 | 114,077,000 | 141,270,000 |
| Total loans | 86,063,000 | 85,552,000 | 92,936,000 | 96,695,000 |
| Allowance for loan losses | 1,705,000 | 1,795,000 | 1,840,000 | 1,614,000 |
| Securities available for sale | 9,910,000 | 4,918,000 | 4,952,000 | 11,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,216,000 | 80,471,000 | 93,882,000 | 115,812,000 |
| Interest-bearing deposits | 62,903,000 | 59,163,000 | 71,525,000 | 93,191,000 |
| Noninterest-bearing deposits | 19,313,000 | 21,308,000 | 22,357,000 | 22,621,000 |
| Equity capital | 14,002,000 | 14,319,000 | 14,713,000 | 15,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,800,000 | 3,712,000 | 5,809,000 | 8,206,000 |
| Interest expense | 544,000 | 1,171,000 | 1,910,000 | 2,905,000 |
| Net interest income | 1,256,000 | 2,541,000 | 3,899,000 | 5,301,000 |
| Noninterest income | 87,000 | 262,000 | 462,000 | 633,000 |
| Noninterest expense | 791,000 | 1,651,000 | 2,565,000 | 3,549,000 |
| Provision for loan losses | 90,000 | 180,000 | 225,000 | 225,000 |
| Pretax income | 462,000 | 972,000 | 1,571,000 | 2,160,000 |
| Income tax | 179,000 | 373,000 | 601,000 | 835,000 |
| Net income | 283,000 | 599,000 | 970,000 | 1,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,062,000 | 14,378,000 | 14,749,000 | 15,105,000 |
| Total capital | 15,163,000 | 15,483,000 | 15,969,000 | 16,420,000 |
| Risk-weighted assets | 87,461,000 | 87,675,000 | 96,977,000 | 104,867,000 |