Call reports 2007
FIRST NATIONAL BANK OF COMMERCE — 2007
What FIRST NATIONAL BANK OF COMMERCE 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 | 137,209,000 | 140,846,000 | 143,543,000 | 143,000,000 |
| Total loans | 73,836,000 | 85,284,000 | 89,996,000 | 83,416,000 |
| Allowance for loan losses | 975,000 | 953,000 | 1,091,000 | 1,067,000 |
| Securities available for sale | 42,937,000 | 44,534,000 | 41,467,000 | 43,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,889,000 | 122,353,000 | 125,958,000 | 126,225,000 |
| Interest-bearing deposits | 111,823,000 | 112,748,000 | 116,678,000 | 114,440,000 |
| Noninterest-bearing deposits | 10,066,000 | 9,605,000 | 9,280,000 | 11,785,000 |
| Equity capital | 14,694,000 | 14,704,000 | 15,444,000 | 15,507,000 |
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 | 1,966,000 | 4,076,000 | 6,358,000 | 8,565,000 |
| Interest expense | 901,000 | 1,894,000 | 2,973,000 | 3,948,000 |
| Net interest income | 1,065,000 | 2,182,000 | 3,385,000 | 4,617,000 |
| Noninterest income | 338,000 | 649,000 | 962,000 | 1,307,000 |
| Noninterest expense | 862,000 | 1,850,000 | 2,758,000 | 3,609,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 467,000 | 875,000 | 1,415,000 | 2,150,000 |
| Income tax | 125,000 | 228,000 | 362,000 | 472,000 |
| Net income | 342,000 | 647,000 | 1,053,000 | 1,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,055,000 | 15,361,000 | 15,767,000 | 15,642,000 |
| Total capital | 16,030,000 | 16,314,000 | 16,858,000 | 16,710,000 |
| Risk-weighted assets | 83,610,000 | 94,236,000 | 98,701,000 | 92,860,000 |