Call reports 2007
FIRST COMMERCE BANK — 2007
What FIRST COMMERCE 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 | 37,800,000 | 37,509,000 | 40,672,000 | 43,228,000 |
| Total loans | 20,456,000 | 23,675,000 | 29,524,000 | 32,097,000 |
| Allowance for loan losses | 204,000 | 248,000 | 295,000 | 355,000 |
| Securities available for sale | 0 | 0 | 2,406,000 | 1,866,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,295,000 | 32,360,000 | 35,754,000 | 38,561,000 |
| Interest-bearing deposits | 29,152,000 | 28,359,000 | 32,415,000 | 35,109,000 |
| Noninterest-bearing deposits | 3,143,000 | 4,001,000 | 3,339,000 | 3,452,000 |
| Equity capital | 5,345,000 | 5,031,000 | 4,766,000 | 4,497,000 |
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 | 555,000 | 1,175,000 | 1,819,000 | 2,471,000 |
| Interest expense | 352,000 | 707,000 | 1,050,000 | 1,441,000 |
| Net interest income | 203,000 | 468,000 | 769,000 | 1,030,000 |
| Noninterest income | 1,000 | 9,000 | 23,000 | 53,000 |
| Noninterest expense | 569,000 | 1,110,000 | 1,646,000 | 2,166,000 |
| Provision for loan losses | 54,000 | 97,000 | 144,000 | 204,000 |
| Pretax income | -419,000 | -730,000 | -998,000 | -1,287,000 |
| Income tax | 0 | 4,000 | 5,000 | 4,000 |
| Net income | -419,000 | -734,000 | -1,003,000 | -1,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,345,000 | 5,031,000 | 4,762,000 | 4,474,000 |
| Total capital | 5,549,000 | 5,279,000 | 5,057,000 | 4,829,000 |
| Risk-weighted assets | 26,495,000 | 30,575,000 | 34,409,000 | 37,880,000 |
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