Call reports 2008
COMMERCIAL BANK, THE — 2008
What COMMERCIAL BANK, THE 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 | 90,911,000 | 89,640,000 | 91,041,000 | 92,774,000 |
| Total loans | 48,147,000 | 48,258,000 | 51,354,000 | 49,958,000 |
| Allowance for loan losses | 1,298,000 | 1,306,000 | 1,314,000 | 1,145,000 |
| Securities available for sale | 27,769,000 | 28,837,000 | 32,160,000 | 34,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,148,000 | 78,513,000 | 79,736,000 | 81,373,000 |
| Interest-bearing deposits | 60,882,000 | 58,890,000 | 63,083,000 | 65,494,000 |
| Noninterest-bearing deposits | 18,266,000 | 19,623,000 | 16,654,000 | 15,879,000 |
| Equity capital | 11,064,000 | 10,512,000 | 10,634,000 | 10,721,000 |
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 | 1,425,000 | 2,700,000 | 4,020,000 | 5,312,000 |
| Interest expense | 556,000 | 1,006,000 | 1,463,000 | 1,883,000 |
| Net interest income | 869,000 | 1,694,000 | 2,557,000 | 3,429,000 |
| Noninterest income | 172,000 | 350,000 | 536,000 | 702,000 |
| Noninterest expense | 597,000 | 1,234,000 | 1,928,000 | 2,829,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 55,000 |
| Pretax income | 429,000 | 780,000 | 772,000 | 1,055,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 429,000 | 780,000 | 772,000 | 1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,900,000 | 10,870,000 | 10,639,000 | 10,466,000 |
| Total capital | 11,568,000 | 11,543,000 | 11,279,000 | 11,146,000 |
| Risk-weighted assets | 52,747,000 | 53,232,000 | 53,279,000 | 53,935,000 |