Call reports 2009
COMMERCEFIRST BANK — 2009
What COMMERCEFIRST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 172,557,000 | 192,053,000 | 195,261,000 | 200,371,000 |
| Total loans | 158,236,000 | 169,019,000 | 179,754,000 | 185,482,000 |
| Allowance for loan losses | 2,254,000 | 2,080,000 | 2,150,000 | 2,380,000 |
| Securities available for sale | 3,053,000 | 3,020,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,800,000 | 172,003,000 | 175,247,000 | 180,182,000 |
| Interest-bearing deposits | 132,624,000 | 151,210,000 | 153,526,000 | 159,070,000 |
| Noninterest-bearing deposits | 22,176,000 | 20,793,000 | 21,721,000 | 21,112,000 |
| Equity capital | 16,654,000 | 18,843,000 | 19,043,000 | 19,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,754,000 | 5,675,000 | 8,726,000 | 11,928,000 |
| Interest expense | 1,170,000 | 2,355,000 | 3,562,000 | 4,604,000 |
| Net interest income | 1,584,000 | 3,320,000 | 5,164,000 | 7,324,000 |
| Noninterest income | 101,000 | 325,000 | 502,000 | 720,000 |
| Noninterest expense | 1,251,000 | 2,602,000 | 3,923,000 | 5,171,000 |
| Provision for loan losses | 529,000 | 799,000 | 1,150,000 | 1,616,000 |
| Pretax income | -95,000 | 244,000 | 593,000 | 1,257,000 |
| Income tax | -39,000 | 94,000 | 232,000 | 495,000 |
| Net income | -56,000 | 150,000 | 361,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,626,000 | 18,832,000 | 19,043,000 | 19,444,000 |
| Total capital | 18,655,000 | 20,963,000 | 21,246,000 | 21,835,000 |
| Risk-weighted assets | 161,252,000 | 172,343,000 | 182,955,000 | 190,515,000 |