Call reports 2008
COMMERCIAL BANK — 2008
What COMMERCIAL 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 | 211,254,000 | 209,640,000 | 208,144,000 | 225,131,000 |
| Total loans | 97,460,000 | 96,860,000 | 95,007,000 | 90,063,000 |
| Allowance for loan losses | 1,589,000 | 1,604,000 | 1,637,000 | 1,633,000 |
| Securities available for sale | 88,606,000 | 89,111,000 | 90,522,000 | 96,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,596,000 | 180,816,000 | 178,755,000 | 193,008,000 |
| Interest-bearing deposits | 160,428,000 | 158,368,000 | 157,607,000 | 166,801,000 |
| Noninterest-bearing deposits | 22,168,000 | 22,448,000 | 21,148,000 | 26,207,000 |
| Equity capital | 24,276,000 | 23,542,000 | 24,610,000 | 27,447,000 |
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 | 3,096,000 | 6,002,000 | 8,863,000 | 11,707,000 |
| Interest expense | 1,300,000 | 2,463,000 | 3,502,000 | 4,415,000 |
| Net interest income | 1,796,000 | 3,539,000 | 5,361,000 | 7,292,000 |
| Noninterest income | 532,000 | 1,025,000 | 1,544,000 | 2,004,000 |
| Noninterest expense | 1,336,000 | 2,739,000 | 4,158,000 | 5,562,000 |
| Provision for loan losses | 40,000 | 97,000 | 174,000 | 302,000 |
| Pretax income | 952,000 | 1,728,000 | 2,614,000 | 3,566,000 |
| Income tax | 42,000 | 76,000 | 113,000 | 202,000 |
| Net income | 910,000 | 1,652,000 | 2,501,000 | 3,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,596,000 | 23,338,000 | 24,188,000 | 24,970,000 |
| Total capital | 24,024,000 | 24,794,000 | 25,566,000 | 26,322,000 |
| Risk-weighted assets | 114,084,000 | 116,304,000 | 110,016,000 | 107,904,000 |