Call reports 2007
CITIZENS COMMERCE BANK — 2007
What CITIZENS COMMERCE 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 | 230,201,000 | 239,053,000 | 247,835,000 | 253,358,000 |
| Total loans | 189,604,000 | 193,347,000 | 198,230,000 | 206,444,000 |
| Allowance for loan losses | 2,351,000 | 2,351,000 | 2,368,000 | 2,324,000 |
| Securities available for sale | 30,024,000 | 29,401,000 | 34,974,000 | 30,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,160,000 | 186,453,000 | 194,083,000 | 194,045,000 |
| Interest-bearing deposits | 163,631,000 | 172,806,000 | 180,817,000 | 177,087,000 |
| Noninterest-bearing deposits | 13,528,000 | 13,647,000 | 13,267,000 | 16,959,000 |
| Equity capital | 18,801,000 | 18,799,000 | 19,426,000 | 20,228,000 |
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 | 4,149,000 | 8,291,000 | 12,685,000 | 17,153,000 |
| Interest expense | 2,106,000 | 4,250,000 | 6,585,000 | 8,887,000 |
| Net interest income | 2,043,000 | 4,041,000 | 6,100,000 | 8,266,000 |
| Noninterest income | 433,000 | 911,000 | 1,400,000 | 2,268,000 |
| Noninterest expense | 1,554,000 | 3,143,000 | 4,749,000 | 6,533,000 |
| Provision for loan losses | 90,000 | 165,000 | 380,000 | 470,000 |
| Pretax income | 859,000 | 1,671,000 | 2,413,000 | 3,653,000 |
| Income tax | 254,000 | 494,000 | 710,000 | 1,095,000 |
| Net income | 605,000 | 1,177,000 | 1,703,000 | 2,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,898,000 | 19,220,000 | 19,495,000 | 20,101,000 |
| Total capital | 21,249,000 | 21,571,000 | 21,863,000 | 22,425,000 |
| Risk-weighted assets | 190,562,000 | 195,541,000 | 199,716,000 | 206,685,000 |