Call reports 2007
COMMERCIAL BANK — 2007
What COMMERCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 287,948,000 | 290,184,000 | 296,634,000 | 299,309,000 |
| Total loans | 242,452,000 | 246,723,000 | 252,410,000 | 256,202,000 |
| Allowance for loan losses | 2,608,000 | 2,622,000 | 2,601,000 | 2,508,000 |
| Securities available for sale | 21,845,000 | 21,981,000 | 22,116,000 | 22,099,000 |
| Securities held to maturity | 635,000 | 560,000 | 560,000 | 360,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,421,000 | 215,901,000 | 218,890,000 | 219,101,000 |
| Interest-bearing deposits | 182,718,000 | 189,319,000 | 191,553,000 | 190,478,000 |
| Noninterest-bearing deposits | 26,703,000 | 26,582,000 | 27,337,000 | 28,623,000 |
| Equity capital | 23,369,000 | 23,534,000 | 24,027,000 | 24,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,616,000 | 9,396,000 | 14,350,000 | 19,210,000 |
| Interest expense | 2,031,000 | 4,207,000 | 6,479,000 | 8,721,000 |
| Net interest income | 2,585,000 | 5,189,000 | 7,871,000 | 10,489,000 |
| Noninterest income | 315,000 | 731,000 | 1,121,000 | 1,576,000 |
| Noninterest expense | 1,921,000 | 3,869,000 | 5,790,000 | 7,729,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 979,000 | 2,051,000 | 3,202,000 | 4,336,000 |
| Income tax | 302,000 | 631,000 | 977,000 | 1,306,000 |
| Net income | 677,000 | 1,420,000 | 2,225,000 | 3,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,315,000 | 23,618,000 | 23,923,000 | 24,243,000 |
| Total capital | 25,916,000 | 26,235,000 | 26,524,000 | 26,751,000 |
| Risk-weighted assets | 208,105,000 | 209,378,000 | 213,336,000 | 216,480,000 |
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