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 | 178,278,000 | 177,540,000 | 184,510,000 | 190,903,000 |
| Total loans | 119,317,000 | 120,292,000 | 115,229,000 | 121,335,000 |
| Allowance for loan losses | 1,372,000 | 1,372,000 | 1,365,000 | 1,402,000 |
| Securities available for sale | 39,477,000 | 41,838,000 | 48,789,000 | 46,703,000 |
| Securities held to maturity | 2,499,000 | 2,479,000 | 2,460,000 | 2,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,999,000 | 156,793,000 | 162,535,000 | 168,435,000 |
| Interest-bearing deposits | 136,875,000 | 137,751,000 | 140,273,000 | 149,210,000 |
| Noninterest-bearing deposits | 20,125,000 | 19,042,000 | 22,262,000 | 19,225,000 |
| Equity capital | 14,785,000 | 14,421,000 | 15,442,000 | 15,876,000 |
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 | 2,834,000 | 5,846,000 | 8,919,000 | 12,030,000 |
| Interest expense | 1,528,000 | 3,135,000 | 4,769,000 | 6,405,000 |
| Net interest income | 1,306,000 | 2,711,000 | 4,150,000 | 5,625,000 |
| Noninterest income | 259,000 | 483,000 | 708,000 | 947,000 |
| Noninterest expense | 1,039,000 | 2,090,000 | 3,144,000 | 4,173,000 |
| Provision for loan losses | 49,000 | 56,000 | 58,000 | 164,000 |
| Pretax income | 477,000 | 382,000 | 990,000 | 1,569,000 |
| Income tax | 160,000 | 105,000 | 311,000 | 473,000 |
| Net income | 317,000 | 277,000 | 679,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,055,000 | 15,015,000 | 15,417,000 | 15,634,000 |
| Total capital | 16,427,000 | 16,387,000 | 16,782,000 | 17,036,000 |
| Risk-weighted assets | 123,527,000 | 124,869,000 | 122,920,000 | 129,147,000 |