Call reports 2007
FIRST COMMERCE BANK — 2007
What FIRST 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 | 31,420,000 | 32,364,000 | 32,716,000 | 33,253,000 |
| Total loans | 28,256,000 | 30,114,000 | 30,423,000 | 30,399,000 |
| Allowance for loan losses | 314,000 | 322,000 | 322,000 | 319,000 |
| Securities available for sale | 996,000 | 992,000 | 1,009,000 | 1,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,356,000 | 22,330,000 | 22,607,000 | 23,578,000 |
| Interest-bearing deposits | 21,259,000 | 19,929,000 | 20,150,000 | 20,974,000 |
| Noninterest-bearing deposits | 3,097,000 | 2,401,000 | 2,457,000 | 2,604,000 |
| Equity capital | 3,658,000 | 3,820,000 | 4,031,000 | 4,238,000 |
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 | 531,000 | 1,084,000 | 1,677,000 | 2,265,000 |
| Interest expense | 222,000 | 456,000 | 707,000 | 945,000 |
| Net interest income | 309,000 | 628,000 | 970,000 | 1,320,000 |
| Noninterest income | 30,000 | 74,000 | 121,000 | 163,000 |
| Noninterest expense | 196,000 | 385,000 | 569,000 | 758,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 138,000 | 312,000 | 514,000 | 717,000 |
| Income tax | 3,000 | 10,000 | 17,000 | 23,000 |
| Net income | 135,000 | 302,000 | 497,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,659,000 | 3,825,000 | 4,020,000 | 4,217,000 |
| Total capital | 3,950,000 | 4,140,000 | 4,339,000 | 4,534,000 |
| Risk-weighted assets | 23,277,000 | 25,221,000 | 25,517,000 | 25,394,000 |