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 | 22,948,000 | 23,550,000 | 22,898,000 | 23,476,000 |
| Total loans | 14,442,000 | 15,902,000 | 15,980,000 | 14,514,000 |
| Allowance for loan losses | 393,000 | 381,000 | 405,000 | 389,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,161,000 | 5,592,000 | 5,683,000 | 5,230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,779,000 | 18,259,000 | 17,384,000 | 18,012,000 |
| Interest-bearing deposits | 14,843,000 | 15,900,000 | 14,933,000 | 15,564,000 |
| Noninterest-bearing deposits | 2,936,000 | 2,359,000 | 2,450,000 | 2,448,000 |
| Equity capital | 4,966,000 | 5,059,000 | 5,157,000 | 5,232,000 |
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 | 380,000 | 765,000 | 1,166,000 | 1,567,000 |
| Interest expense | 104,000 | 213,000 | 323,000 | 432,000 |
| Net interest income | 276,000 | 552,000 | 843,000 | 1,135,000 |
| Noninterest income | 22,000 | 43,000 | 61,000 | 79,000 |
| Noninterest expense | 161,000 | 324,000 | 487,000 | 688,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 137,000 | 271,000 | 417,000 | 526,000 |
| Income tax | 40,000 | 81,000 | 129,000 | 163,000 |
| Net income | 97,000 | 190,000 | 288,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,966,000 | 5,059,000 | 5,157,000 | 5,232,000 |
| Total capital | 5,171,000 | 5,279,000 | 5,378,000 | 5,442,000 |
| Risk-weighted assets | 16,221,000 | 17,464,000 | 17,465,000 | 16,589,000 |