Call reports 2007
COMMERCIAL BANK OF TEXAS, N.A. — 2007
What COMMERCIAL BANK OF TEXAS, N.A. 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 | 306,520,000 | 306,684,000 | 311,474,000 | 307,406,000 |
| Total loans | 154,376,000 | 164,230,000 | 172,761,000 | 172,650,000 |
| Allowance for loan losses | 1,597,000 | 1,640,000 | 1,677,000 | 1,737,000 |
| Securities available for sale | 68,354,000 | 82,223,000 | 80,583,000 | 80,668,000 |
| Securities held to maturity | 12,274,000 | 14,762,000 | 14,757,000 | 14,752,000 |
| Trading assets | 29,910,000 | 9,746,000 | 6,221,000 | 5,912,000 |
| Total deposits | 269,548,000 | 269,959,000 | 272,964,000 | 266,487,000 |
| Interest-bearing deposits | 210,048,000 | 209,348,000 | 215,165,000 | 209,600,000 |
| Noninterest-bearing deposits | 59,500,000 | 60,610,000 | 57,799,000 | 56,887,000 |
| Equity capital | 31,098,000 | 31,040,000 | 32,479,000 | 32,070,000 |
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 | 4,133,000 | 8,447,000 | 12,938,000 | 17,440,000 |
| Interest expense | 1,778,000 | 3,596,000 | 5,504,000 | 7,410,000 |
| Net interest income | 2,355,000 | 4,851,000 | 7,434,000 | 10,030,000 |
| Noninterest income | 1,438,000 | 2,721,000 | 4,169,000 | 6,098,000 |
| Noninterest expense | 2,800,000 | 5,692,000 | 8,536,000 | 11,712,000 |
| Provision for loan losses | 66,000 | 123,000 | 197,000 | 319,000 |
| Pretax income | 927,000 | 1,757,000 | 2,870,000 | 4,097,000 |
| Income tax | 274,000 | 510,000 | 845,000 | 1,096,000 |
| Net income | 653,000 | 1,247,000 | 2,025,000 | 3,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,962,000 | 28,386,000 | 28,994,000 | 28,798,000 |
| Total capital | 29,559,000 | 30,026,000 | 30,671,000 | 30,535,000 |
| Risk-weighted assets | 137,680,000 | 144,114,000 | 148,731,000 | 148,850,000 |