Call reports 2007
1ST COMMERCE BANK — 2007
What 1ST 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 | 17,062,000 | 18,006,000 | 28,320,000 | 32,091,000 |
| Total loans | 12,094,000 | 14,710,000 | 20,658,000 | 27,030,000 |
| Allowance for loan losses | 157,000 | 210,000 | 300,000 | 393,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,582,000 | 10,661,000 | 21,115,000 | 25,007,000 |
| Interest-bearing deposits | 8,578,000 | 8,665,000 | 17,209,000 | 19,188,000 |
| Noninterest-bearing deposits | 1,004,000 | 1,996,000 | 3,906,000 | 5,819,000 |
| Equity capital | 7,453,000 | 7,299,000 | 7,145,000 | 6,990,000 |
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 | 329,000 | 677,000 | 1,161,000 | 1,727,000 |
| Interest expense | 66,000 | 155,000 | 307,000 | 504,000 |
| Net interest income | 263,000 | 522,000 | 854,000 | 1,223,000 |
| Noninterest income | 2,000 | 13,000 | 27,000 | 34,000 |
| Noninterest expense | 407,000 | 855,000 | 1,343,000 | 1,859,000 |
| Provision for loan losses | 32,000 | 85,000 | 175,000 | 268,000 |
| Pretax income | -174,000 | -405,000 | -637,000 | -870,000 |
| Income tax | -59,000 | -136,000 | -214,000 | -292,000 |
| Net income | -115,000 | -269,000 | -423,000 | -578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,175,000 | 6,944,000 | 6,712,000 | 6,479,000 |
| Total capital | 7,332,000 | 7,136,000 | 7,006,000 | 6,825,000 |
| Risk-weighted assets | 14,190,000 | 15,364,000 | 23,539,000 | 27,669,000 |