Call reports 2010
COMMERCIAL BANK — 2010
What COMMERCIAL 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 | 239,613,000 | 238,378,000 | 229,480,000 | 232,552,000 |
| Total loans | 91,937,000 | 93,311,000 | 92,563,000 | 94,943,000 |
| Allowance for loan losses | 1,997,000 | 2,057,000 | 2,068,000 | 2,067,000 |
| Securities available for sale | 124,189,000 | 114,030,000 | 117,861,000 | 126,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,053,000 | 197,128,000 | 187,337,000 | 187,171,000 |
| Interest-bearing deposits | 177,414,000 | 172,504,000 | 164,819,000 | 161,800,000 |
| Noninterest-bearing deposits | 23,639,000 | 24,624,000 | 22,518,000 | 25,371,000 |
| Equity capital | 28,778,000 | 30,943,000 | 31,913,000 | 30,755,000 |
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 | 2,793,000 | 5,474,000 | 8,111,000 | 10,636,000 |
| Interest expense | 586,000 | 1,143,000 | 1,664,000 | 2,152,000 |
| Net interest income | 2,207,000 | 4,331,000 | 6,447,000 | 8,484,000 |
| Noninterest income | 431,000 | 860,000 | 1,325,000 | 1,775,000 |
| Noninterest expense | 1,471,000 | 3,032,000 | 4,592,000 | 6,156,000 |
| Provision for loan losses | 68,000 | 141,000 | 177,000 | 213,000 |
| Pretax income | 1,099,000 | 2,018,000 | 3,003,000 | 3,890,000 |
| Income tax | 48,000 | 88,000 | 131,000 | 124,000 |
| Net income | 1,051,000 | 1,930,000 | 2,872,000 | 3,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,381,000 | 28,259,000 | 29,201,000 | 30,096,000 |
| Total capital | 28,794,000 | 29,632,000 | 30,584,000 | 31,545,000 |
| Risk-weighted assets | 112,441,000 | 109,119,000 | 109,927,000 | 115,281,000 |