Call reports 2007
COMMERCIAL BANK, THE — 2007
What COMMERCIAL BANK, THE 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 | 22,387,000 | 19,271,000 | 20,739,000 | 19,960,000 |
| Total loans | 13,518,000 | 13,520,000 | 14,531,000 | 14,965,000 |
| Allowance for loan losses | 76,000 | 74,000 | 77,000 | 81,000 |
| Securities available for sale | 5,387,000 | 3,871,000 | 3,960,000 | 3,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,446,000 | 17,348,000 | 18,755,000 | 17,609,000 |
| Interest-bearing deposits | 16,204,000 | 12,625,000 | 12,896,000 | 12,547,000 |
| Noninterest-bearing deposits | 4,242,000 | 4,724,000 | 5,859,000 | 5,062,000 |
| Equity capital | 1,819,000 | 1,816,000 | 1,862,000 | 1,915,000 |
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 | 318,000 | 643,000 | 963,000 | 1,284,000 |
| Interest expense | 91,000 | 186,000 | 274,000 | 355,000 |
| Net interest income | 227,000 | 457,000 | 689,000 | 929,000 |
| Noninterest income | 25,000 | 49,000 | 75,000 | 100,000 |
| Noninterest expense | 166,000 | 334,000 | 502,000 | 699,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 83,000 | 160,000 | 247,000 | 311,000 |
| Income tax | 23,000 | 45,000 | 70,000 | 85,000 |
| Net income | 60,000 | 115,000 | 177,000 | 226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,841,000 | 1,851,000 | 1,871,000 | 1,910,000 |
| Total capital | 1,917,000 | 1,925,000 | 1,948,000 | 1,991,000 |
| Risk-weighted assets | 14,427,000 | 13,830,000 | 15,016,000 | 15,224,000 |