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 | 518,255,000 | 526,186,000 | 532,032,000 | 540,263,000 |
| Total loans | 441,050,000 | 452,861,000 | 461,924,000 | 465,630,000 |
| Allowance for loan losses | 5,782,000 | 7,159,000 | 7,446,000 | 8,225,000 |
| Securities available for sale | 54,599,000 | 55,592,000 | 54,572,000 | 57,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,823,000 | 466,119,000 | 468,113,000 | 412,641,000 |
| Interest-bearing deposits | 415,421,000 | 438,803,000 | 453,840,000 | 393,625,000 |
| Noninterest-bearing deposits | 28,402,000 | 27,316,000 | 14,273,000 | 19,016,000 |
| Equity capital | 48,059,000 | 46,806,000 | 47,366,000 | 47,116,000 |
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 | 9,541,000 | 19,343,000 | 29,504,000 | 39,427,000 |
| Interest expense | 4,714,000 | 9,525,000 | 14,530,000 | 19,103,000 |
| Net interest income | 4,827,000 | 9,818,000 | 14,974,000 | 20,324,000 |
| Noninterest income | 820,000 | 1,729,000 | 2,674,000 | 3,584,000 |
| Noninterest expense | 1,957,000 | 3,920,000 | 5,893,000 | 7,649,000 |
| Provision for loan losses | 225,000 | 1,782,000 | 2,067,000 | 3,751,000 |
| Pretax income | 3,465,000 | 5,846,000 | 9,689,000 | 12,509,000 |
| Income tax | 1,241,000 | 2,064,000 | 3,445,000 | 4,378,000 |
| Net income | 2,224,000 | 3,782,000 | 6,244,000 | 8,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,499,000 | 47,589,000 | 47,562,000 | 46,990,000 |
| Total capital | 54,281,000 | 53,852,000 | 54,013,000 | 53,542,000 |
| Risk-weighted assets | 481,593,000 | 500,135,000 | 515,115,000 | 522,475,000 |