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 | 121,866,000 | 123,893,000 | 123,254,000 | 123,647,000 |
| Total loans | 45,119,000 | 46,989,000 | 46,149,000 | 45,506,000 |
| Allowance for loan losses | 841,000 | 806,000 | 796,000 | 737,000 |
| Securities available for sale | 34,091,000 | 35,729,000 | 33,861,000 | 35,341,000 |
| Securities held to maturity | 21,127,000 | 19,588,000 | 19,542,000 | 18,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,339,000 | 100,106,000 | 99,953,000 | 99,847,000 |
| Interest-bearing deposits | 82,790,000 | 82,131,000 | 84,640,000 | 84,322,000 |
| Noninterest-bearing deposits | 16,549,000 | 17,975,000 | 15,313,000 | 15,525,000 |
| Equity capital | 12,920,000 | 12,768,000 | 13,435,000 | 13,757,000 |
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 | 1,652,000 | 3,331,000 | 5,027,000 | 6,699,000 |
| Interest expense | 758,000 | 1,559,000 | 2,402,000 | 3,245,000 |
| Net interest income | 894,000 | 1,772,000 | 2,625,000 | 3,454,000 |
| Noninterest income | 222,000 | 442,000 | 659,000 | 877,000 |
| Noninterest expense | 828,000 | 1,654,000 | 2,459,000 | 3,275,000 |
| Provision for loan losses | 9,000 | 15,000 | 15,000 | 0 |
| Pretax income | 279,000 | 545,000 | 810,000 | 1,016,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 279,000 | 545,000 | 810,000 | 1,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,811,000 | 9,920,000 | 10,086,000 | 10,093,000 |
| Total capital | 10,472,000 | 10,603,000 | 10,795,000 | 10,756,000 |
| Risk-weighted assets | 52,721,000 | 54,549,000 | 56,624,000 | 52,948,000 |