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 | 443,697,000 | 438,738,000 | 442,770,000 | 443,592,000 |
| Total loans | 321,061,000 | 329,334,000 | 325,373,000 | 327,351,000 |
| Allowance for loan losses | 3,432,000 | 3,663,000 | 3,962,000 | 4,034,000 |
| Securities available for sale | 25,929,000 | 26,796,000 | 29,165,000 | 24,984,000 |
| Securities held to maturity | 30,866,000 | 28,360,000 | 27,784,000 | 18,786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,666,000 | 339,777,000 | 344,153,000 | 350,057,000 |
| Interest-bearing deposits | 279,383,000 | 283,987,000 | 287,173,000 | 299,626,000 |
| Noninterest-bearing deposits | 53,283,000 | 55,790,000 | 56,980,000 | 50,431,000 |
| Equity capital | 49,084,000 | 50,517,000 | 52,410,000 | 51,445,000 |
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 | 7,500,000 | 15,370,000 | 23,240,000 | 30,892,000 |
| Interest expense | 3,255,000 | 6,528,000 | 9,822,000 | 13,091,000 |
| Net interest income | 4,245,000 | 8,842,000 | 13,418,000 | 17,801,000 |
| Noninterest income | 743,000 | 1,575,000 | 2,575,000 | 3,499,000 |
| Noninterest expense | 2,507,000 | 5,136,000 | 7,801,000 | 10,542,000 |
| Provision for loan losses | 270,000 | 543,000 | 819,000 | 960,000 |
| Pretax income | 2,211,000 | 4,738,000 | 7,375,000 | 9,800,000 |
| Income tax | 791,000 | 1,698,000 | 2,640,000 | 3,499,000 |
| Net income | 1,420,000 | 3,040,000 | 4,735,000 | 6,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,401,000 | 50,024,000 | 51,722,000 | 50,666,000 |
| Total capital | 51,833,000 | 53,687,000 | 55,684,000 | 54,700,000 |
| Risk-weighted assets | 324,653,000 | 334,497,000 | 333,007,000 | 336,326,000 |