Call reports 2007
COMMUNITY COMMERCE BANK — 2007
What COMMUNITY 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 | 343,952,000 | 339,944,000 | 344,113,000 | 333,127,000 |
| Total loans | 284,713,000 | 289,224,000 | 287,654,000 | 286,268,000 |
| Allowance for loan losses | 4,372,000 | 4,308,000 | 4,284,000 | 4,202,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,907,000 | 213,181,000 | 211,980,000 | 200,925,000 |
| Interest-bearing deposits | 221,503,000 | 208,461,000 | 208,699,000 | 195,719,000 |
| Noninterest-bearing deposits | 5,404,000 | 4,720,000 | 3,282,000 | 5,206,000 |
| Equity capital | 31,509,000 | 31,614,000 | 31,691,000 | 31,787,000 |
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 | 7,424,000 | 14,796,000 | 22,159,000 | 29,318,000 |
| Interest expense | 3,652,000 | 7,306,000 | 11,033,000 | 14,686,000 |
| Net interest income | 3,772,000 | 7,490,000 | 11,126,000 | 14,632,000 |
| Noninterest income | 120,000 | 174,000 | 272,000 | 313,000 |
| Noninterest expense | 2,571,000 | 5,075,000 | 7,539,000 | 9,920,000 |
| Provision for loan losses | -34,000 | -121,000 | -160,000 | -245,000 |
| Pretax income | 1,355,000 | 2,710,000 | 4,019,000 | 5,270,000 |
| Income tax | 490,000 | 989,000 | 1,469,000 | 1,931,000 |
| Net income | 865,000 | 1,721,000 | 2,550,000 | 3,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,509,000 | 31,614,000 | 31,691,000 | 31,787,000 |
| Total capital | 35,365,000 | 35,519,000 | 35,594,000 | 35,631,000 |
| Risk-weighted assets | 307,793,000 | 311,977,000 | 311,099,000 | 307,127,000 |