Call reports 2008
COMMERCIAL CAPITAL BANK — 2008
What COMMERCIAL CAPITAL 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 | 34,887,000 | 36,255,000 | 35,606,000 | 35,412,000 |
| Total loans | 18,388,000 | 24,369,000 | 22,453,000 | 17,547,000 |
| Allowance for loan losses | 328,000 | 348,000 | 379,000 | 401,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,064,000 | 5,062,000 | 5,318,000 | 5,818,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,688,000 | 31,789,000 | 30,942,000 | 31,295,000 |
| Interest-bearing deposits | 24,954,000 | 26,050,000 | 25,665,000 | 25,307,000 |
| Noninterest-bearing deposits | 5,734,000 | 5,740,000 | 5,278,000 | 5,988,000 |
| Equity capital | 4,074,000 | 4,277,000 | 4,430,000 | 4,031,000 |
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 | 607,000 | 1,276,000 | 1,893,000 | 2,367,000 |
| Interest expense | 229,000 | 436,000 | 628,000 | 798,000 |
| Net interest income | 378,000 | 840,000 | 1,265,000 | 1,569,000 |
| Noninterest income | 67,000 | 137,000 | 216,000 | 290,000 |
| Noninterest expense | 296,000 | 604,000 | 917,000 | 1,232,000 |
| Provision for loan losses | 0 | 21,000 | 59,000 | 90,000 |
| Pretax income | 149,000 | 352,000 | 505,000 | 537,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 149,000 | 352,000 | 505,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,074,000 | 4,277,000 | 4,430,000 | 4,031,000 |
| Total capital | 4,321,000 | 4,538,000 | 4,663,000 | 4,264,000 |
| Risk-weighted assets | 20,083,000 | 20,802,000 | 20,385,000 | 18,457,000 |