Call reports 2007
COMMERCIAL BANK, THE — 2007
What COMMERCIAL BANK, THE 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 | 123,030,000 | 126,840,000 | 134,643,000 | 138,604,000 |
| Total loans | 86,877,000 | 89,620,000 | 94,111,000 | 98,507,000 |
| Allowance for loan losses | 1,269,000 | 1,339,000 | 1,366,000 | 1,402,000 |
| Securities available for sale | 21,971,000 | 21,852,000 | 22,205,000 | 23,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,017,000 | 89,634,000 | 106,895,000 | 107,401,000 |
| Interest-bearing deposits | 77,562,000 | 77,796,000 | 94,234,000 | 95,379,000 |
| Noninterest-bearing deposits | 14,455,000 | 11,838,000 | 12,661,000 | 12,022,000 |
| Equity capital | 9,625,000 | 9,732,000 | 10,244,000 | 9,772,000 |
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 | 2,059,000 | 4,238,000 | 6,588,000 | 9,007,000 |
| Interest expense | 844,000 | 1,731,000 | 2,802,000 | 3,920,000 |
| Net interest income | 1,215,000 | 2,507,000 | 3,786,000 | 5,087,000 |
| Noninterest income | 203,000 | 411,000 | 653,000 | 910,000 |
| Noninterest expense | 1,053,000 | 2,133,000 | 3,246,000 | 4,341,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 190,000 |
| Pretax income | 305,000 | 665,000 | 1,033,000 | 1,466,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 305,000 | 665,000 | 1,033,000 | 1,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,553,000 | 9,888,000 | 10,200,000 | 9,588,000 |
| Total capital | 10,710,000 | 11,111,000 | 11,469,000 | 10,900,000 |
| Risk-weighted assets | 92,430,000 | 97,752,000 | 101,450,000 | 104,899,000 |