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 | 87,451,000 | 81,968,000 | 81,628,000 | 85,151,000 |
| Total loans | 39,390,000 | 42,020,000 | 40,824,000 | 44,179,000 |
| Allowance for loan losses | 452,000 | 452,000 | 452,000 | 452,000 |
| Securities available for sale | 5,199,000 | 4,702,000 | 7,071,000 | 5,599,000 |
| Securities held to maturity | 22,217,000 | 20,705,000 | 18,203,000 | 16,222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,164,000 | 72,547,000 | 72,006,000 | 75,376,000 |
| Interest-bearing deposits | 66,782,000 | 61,397,000 | 60,312,000 | 63,173,000 |
| Noninterest-bearing deposits | 11,382,000 | 11,149,000 | 11,694,000 | 12,203,000 |
| Equity capital | 9,002,000 | 9,082,000 | 9,182,000 | 9,274,000 |
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 | 1,004,000 | 2,046,000 | 3,143,000 | 4,255,000 |
| Interest expense | 405,000 | 849,000 | 1,322,000 | 1,790,000 |
| Net interest income | 599,000 | 1,197,000 | 1,821,000 | 2,465,000 |
| Noninterest income | 96,000 | 198,000 | 291,000 | 380,000 |
| Noninterest expense | 596,000 | 1,171,000 | 1,762,000 | 2,360,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 99,000 | 224,000 | 350,000 | 485,000 |
| Income tax | 37,000 | 84,000 | 135,000 | 185,000 |
| Net income | 62,000 | 140,000 | 215,000 | 300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,033,000 | 9,111,000 | 9,186,000 | 9,261,000 |
| Total capital | 9,485,000 | 9,563,000 | 9,638,000 | 9,713,000 |
| Risk-weighted assets | 38,563,000 | 40,705,000 | 40,053,000 | 42,893,000 |
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