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 | 197,707,000 | 195,966,000 | 209,256,000 | 206,088,000 |
| Total loans | 99,586,000 | 101,639,000 | 99,285,000 | 99,187,000 |
| Allowance for loan losses | 1,661,000 | 1,575,000 | 1,595,000 | 1,593,000 |
| Securities available for sale | 84,127,000 | 79,743,000 | 89,600,000 | 87,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,077,000 | 168,964,000 | 182,751,000 | 178,424,000 |
| Interest-bearing deposits | 151,194,000 | 147,423,000 | 164,123,000 | 158,316,000 |
| Noninterest-bearing deposits | 20,883,000 | 21,541,000 | 18,628,000 | 20,108,000 |
| Equity capital | 21,405,000 | 21,461,000 | 21,671,000 | 22,873,000 |
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 | 2,893,000 | 5,818,000 | 8,874,000 | 11,952,000 |
| Interest expense | 1,333,000 | 2,632,000 | 4,068,000 | 5,492,000 |
| Net interest income | 1,560,000 | 3,186,000 | 4,806,000 | 6,460,000 |
| Noninterest income | 462,000 | 965,000 | 1,459,000 | 1,939,000 |
| Noninterest expense | 1,375,000 | 2,771,000 | 4,199,000 | 5,609,000 |
| Provision for loan losses | 19,000 | 52,000 | 76,000 | 102,000 |
| Pretax income | 628,000 | 1,328,000 | 1,990,000 | 2,688,000 |
| Income tax | 27,000 | 58,000 | 87,000 | 144,000 |
| Net income | 601,000 | 1,270,000 | 1,903,000 | 2,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,904,000 | 22,348,000 | 21,593,000 | 22,234,000 |
| Total capital | 23,306,000 | 23,777,000 | 23,019,000 | 23,663,000 |
| Risk-weighted assets | 111,950,000 | 113,608,000 | 113,877,000 | 114,147,000 |