Call reports 2007
COMMERCEFIRST BANK — 2007
What COMMERCEFIRST 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 | 142,898,000 | 137,944,000 | 139,369,000 | 148,811,000 |
| Total loans | 106,402,000 | 109,358,000 | 119,220,000 | 126,335,000 |
| Allowance for loan losses | 1,659,000 | 1,737,000 | 1,737,000 | 1,665,000 |
| Securities available for sale | 11,003,000 | 10,950,000 | 9,074,000 | 9,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,519,000 | 118,383,000 | 119,485,000 | 127,108,000 |
| Interest-bearing deposits | 99,112,000 | 92,862,000 | 97,352,000 | 104,162,000 |
| Noninterest-bearing deposits | 23,408,000 | 25,521,000 | 22,133,000 | 22,946,000 |
| Equity capital | 15,365,000 | 15,648,000 | 16,021,000 | 16,361,000 |
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 | 2,608,000 | 5,271,000 | 8,027,000 | 10,823,000 |
| Interest expense | 1,224,000 | 2,396,000 | 3,612,000 | 4,867,000 |
| Net interest income | 1,384,000 | 2,875,000 | 4,415,000 | 5,956,000 |
| Noninterest income | 172,000 | 303,000 | 454,000 | 621,000 |
| Noninterest expense | 1,054,000 | 2,159,000 | 3,371,000 | 4,627,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 457,000 | 974,000 | 1,453,000 | 1,905,000 |
| Income tax | 171,000 | 375,000 | 566,000 | 736,000 |
| Net income | 286,000 | 599,000 | 887,000 | 1,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,390,000 | 15,704,000 | 15,992,000 | 16,274,000 |
| Total capital | 16,794,000 | 17,135,000 | 17,527,000 | 17,924,000 |
| Risk-weighted assets | 112,041,000 | 114,162,000 | 122,554,000 | 131,144,000 |