Call reports 2010
COMMERCEFIRST BANK — 2010
What COMMERCEFIRST 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 | 213,656,000 | 210,707,000 | 205,980,000 | 203,123,000 |
| Total loans | 184,849,000 | 185,662,000 | 184,631,000 | 184,883,000 |
| Allowance for loan losses | 2,376,000 | 2,000,000 | 2,533,000 | 3,174,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,550,000 | 189,508,000 | 184,418,000 | 181,557,000 |
| Interest-bearing deposits | 168,863,000 | 166,075,000 | 159,039,000 | 157,756,000 |
| Noninterest-bearing deposits | 23,687,000 | 23,433,000 | 25,379,000 | 23,802,000 |
| Equity capital | 19,994,000 | 20,414,000 | 20,789,000 | 20,957,000 |
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 | 3,140,000 | 6,330,000 | 9,532,000 | 12,560,000 |
| Interest expense | 889,000 | 1,752,000 | 2,507,000 | 3,139,000 |
| Net interest income | 2,251,000 | 4,578,000 | 7,025,000 | 9,421,000 |
| Noninterest income | 346,000 | 616,000 | 780,000 | 1,093,000 |
| Noninterest expense | 1,239,000 | 2,553,000 | 3,930,000 | 5,288,000 |
| Provision for loan losses | 447,000 | 1,034,000 | 1,646,000 | 2,716,000 |
| Pretax income | 911,000 | 1,607,000 | 2,229,000 | 2,510,000 |
| Income tax | 361,000 | 637,000 | 884,000 | 997,000 |
| Net income | 550,000 | 970,000 | 1,345,000 | 1,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,994,000 | 20,414,000 | 20,789,000 | 20,957,000 |
| Total capital | 22,366,000 | 22,471,000 | 23,163,000 | 23,348,000 |
| Risk-weighted assets | 189,692,000 | 190,263,000 | 189,728,000 | 190,414,000 |