Call reports 2009
COMMERCIAL BANK — 2009
What COMMERCIAL 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 | 225,494,000 | 221,675,000 | 233,104,000 | 251,120,000 |
| Total loans | 89,672,000 | 92,606,000 | 90,967,000 | 94,551,000 |
| Allowance for loan losses | 1,715,000 | 1,785,000 | 1,873,000 | 1,950,000 |
| Securities available for sale | 104,655,000 | 109,931,000 | 124,045,000 | 136,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,943,000 | 188,227,000 | 184,463,000 | 191,220,000 |
| Interest-bearing deposits | 163,446,000 | 163,146,000 | 162,624,000 | 167,993,000 |
| Noninterest-bearing deposits | 26,497,000 | 25,081,000 | 21,839,000 | 23,227,000 |
| Equity capital | 27,665,000 | 25,736,000 | 27,502,000 | 27,104,000 |
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 | 2,889,000 | 5,743,000 | 8,570,000 | 11,400,000 |
| Interest expense | 743,000 | 1,412,000 | 2,042,000 | 2,662,000 |
| Net interest income | 2,146,000 | 4,331,000 | 6,528,000 | 8,738,000 |
| Noninterest income | 381,000 | 827,000 | 1,286,000 | 1,689,000 |
| Noninterest expense | 1,386,000 | 3,001,000 | 4,568,000 | 6,082,000 |
| Provision for loan losses | 84,000 | 179,000 | 281,000 | 383,000 |
| Pretax income | 1,057,000 | 1,978,000 | 2,965,000 | 3,978,000 |
| Income tax | 46,000 | 87,000 | 130,000 | 219,000 |
| Net income | 1,011,000 | 1,891,000 | 2,835,000 | 3,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,981,000 | 24,461,000 | 25,404,000 | 26,329,000 |
| Total capital | 27,343,000 | 25,837,000 | 26,806,000 | 27,832,000 |
| Risk-weighted assets | 108,619,000 | 111,018,000 | 111,672,000 | 119,798,000 |