Call reports 2008
COMMERCEFIRST BANK — 2008
What COMMERCEFIRST 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 | 156,600,000 | 161,379,000 | 163,938,000 | 166,567,000 |
| Total loans | 133,347,000 | 140,178,000 | 141,825,000 | 152,961,000 |
| Allowance for loan losses | 1,691,000 | 1,741,000 | 1,795,000 | 1,860,000 |
| Securities available for sale | 9,272,000 | 6,105,000 | 6,095,000 | 3,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,467,000 | 139,495,000 | 144,509,000 | 148,856,000 |
| Interest-bearing deposits | 115,365,000 | 117,280,000 | 121,448,000 | 125,142,000 |
| Noninterest-bearing deposits | 21,102,000 | 22,215,000 | 23,061,000 | 23,714,000 |
| Equity capital | 16,623,000 | 16,709,000 | 16,814,000 | 16,729,000 |
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 | 2,736,000 | 5,362,000 | 8,029,000 | 10,651,000 |
| Interest expense | 1,309,000 | 2,541,000 | 3,818,000 | 5,085,000 |
| Net interest income | 1,427,000 | 2,821,000 | 4,211,000 | 5,566,000 |
| Noninterest income | 95,000 | 247,000 | 403,000 | 529,000 |
| Noninterest expense | 1,218,000 | 2,451,000 | 3,712,000 | 4,855,000 |
| Provision for loan losses | 9,000 | 59,000 | 168,000 | 647,000 |
| Pretax income | 295,000 | 598,000 | 774,000 | 633,000 |
| Income tax | 98,000 | 215,000 | 283,000 | 225,000 |
| Net income | 197,000 | 383,000 | 491,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,471,000 | 16,656,000 | 16,765,000 | 16,682,000 |
| Total capital | 18,205,000 | 18,442,000 | 18,606,000 | 18,590,000 |
| Risk-weighted assets | 138,028,000 | 144,703,000 | 146,860,000 | 156,939,000 |
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